CFPB: Consumer Dispute? classification:: CFPB-PrepaidCard-RestU-02
bdanalytics
Date: (Fri) Oct 21, 2016
Introduction:
Data: Source: Training: http://catalog.data.gov/dataset/consumer-complaint-database
New: None
Time period:
Synopsis:
Based on analysis utilizing <> techniques,
Background
US Federal Government: Bureau of Consumer Financial Protection (CFPB): Consumer Complaint Database: Metadata Updated: Sep 26, 2015
CFPB can increase its effectiveness & customer satisfaction by minimizing disputes escalated by consumers when businesses initially respond to conusmer complaints in a timely manner.
The objective is to create a classifier that predicts if a specific customer will dispute a complaint with a bank: Consumer Dispute? (Yes or No).
The observations are complaints CFPB received about financial products and services from US residents.
Results
Display ggtile plot of Test data frame observations
Display ggtile plot of Validation data frame observations
Display AUC Curve
Display classifier threshold selection plot
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Summary of key steps & error improvement stats:
Potential next steps include:
- Feature Engineering:
- DateRecieved, DateSenttocompany:
- Add Federal, State & City holidays for each year
- Add number of complaints received and sent for this complaint’s date
Product: Include all & create product groups to minimize model stacks
- NLP: Issue, SubIssue, “Consumercomplaintnarrative”, “Companypublicresponse”
- Company:
- Identify Industry based on stock / Dun & Bradstreet listing
- Create clusters based on Product, Subproduct & Company
- Test options
- Preprocessing (center, scaling, PCA, etc.)
- Resampling (Boot strapping, LGOCV, etc.)
Ensemble models
Analysis:
rm(list = ls())
set.seed(12345)
options(stringsAsFactors = FALSE)
source("~/Dropbox/datascience/R/mycaret.R")
source("~/Dropbox/datascience/R/mypetrinet.R")
source("~/Dropbox/datascience/R/myplclust.R")
source("~/Dropbox/datascience/R/myplot.R")
source("~/Dropbox/datascience/R/myscript.R")
source("~/Dropbox/datascience/R/mytm.R")
if (is.null(knitr::opts_current$get(name = 'label'))) # Running in IDE
debugSource("~/Dropbox/datascience/R/mydsutils.R") else
source("~/Dropbox/datascience/R/mydsutils.R") ## Loading required package: proxy##
## Attaching package: 'proxy'## The following objects are masked from 'package:stats':
##
## as.dist, dist## The following object is masked from 'package:base':
##
## as.matrix## Loading required package: caret## Loading required package: lattice# Gather all package requirements here
suppressPackageStartupMessages(require(doMC))
glbCores <- 10 # of cores on machine - 2
registerDoMC(glbCores)
suppressPackageStartupMessages(require(caret))
require(plyr)## Loading required package: plyrrequire(dplyr)## Loading required package: dplyr##
## Attaching package: 'dplyr'## The following objects are masked from 'package:plyr':
##
## arrange, count, desc, failwith, id, mutate, rename, summarise,
## summarize## The following objects are masked from 'package:stats':
##
## filter, lag## The following objects are masked from 'package:base':
##
## intersect, setdiff, setequal, unionrequire(knitr)## Loading required package: knitrrequire(stringr)## Loading required package: stringr#source("dbgcaret.R")
#packageVersion("snow")
#require(sos); findFn("complete", maxPages=2, sortby="MaxScore")
# Analysis control global variables
# Inputs
# url/name = "<PathPointer>"; if url specifies a zip file, name = "<filename>";
# or named collection of <PathPointer>s
# sep = choose from c(NULL, "\t")
#glbObsTrnFile <- list(url = "http://catalog.data.gov/dataset/consumer-complaint-database"
glbObsTrnFile <- list(name = "Consumer_Complaints.csv"
# or list(url = c(NULL, <.inp1> = "<path1>", <.inp2> = "<path2>"))
, splitSpecs = list(method = "condition" # default when glbObsNewFile is NULL
# select from c("copy", NULL ???, "condition", "sample", )
# ,nRatio = 0.3 # > 0 && < 1 if method == "sample"
# ,seed = 123 # any integer or glbObsTrnPartitionSeed if method == "sample"
,condition = 'Consumerdisputed == ""'# or 'is.na(<var>)'; '<var> <condition_operator> <value>'
)
)
glbObsNewFile <- NULL # default OR list(url = "None")
glbObsDropCondition <- #NULL # : default
# enclose in single-quotes b/c condition might include double qoutes
# use | & ; NOT || &&
# '<condition>'
# '(glbObsAll[, "Product"] %in% c("Mortgage", "Debt collection", "Credit reporting", "Credit card", "Bank account or service", NULL, "Payday loan", "Money transfers", "Prepaid card", "Other financial service", "Virtual currency")) '
'(!(glbObsAll[, "Product"] %in% c("Prepaid card")))'
glb_obs_repartition_train_condition <- NULL # : default
# "<condition>"
glb_max_fitobs <- NULL # or any integer
glbObsTrnPartitionSeed <- 123 # or any integer
glb_is_regression <- FALSE; glb_is_classification <- !glb_is_regression;
glb_is_binomial <- TRUE # or TRUE or FALSE
glb_rsp_var_raw <- "Consumerdisputed"
# for classification, the response variable has to be a factor
glb_rsp_var <- "CDisputed.fctr"
# if the response factor is based on numbers/logicals e.g (0/1 OR TRUE/FALSE vs. "A"/"B"),
# or contains spaces (e.g. "Not in Labor Force")
# caret predict(..., type="prob") crashes
glb_map_rsp_raw_to_var <- #NULL
function(raw) {
# return(raw ^ 0.5)
# return(log(raw))
# return(log(1 + raw))
# return(log10(raw))
# return(exp(-raw / 2))
#
# chk ref value against frequencies vs. alpha sort order
ret_vals <- rep_len(NA, length(raw));
ret_vals[raw != ""] <- ifelse(raw[raw != ""] == "Yes", "Y", "N");
return(relevel(as.factor(ret_vals), ref="N"))
#
# as.factor(paste0("B", raw))
# as.factor(gsub(" ", "\\.", raw))
}
#if glb_rsp_var_raw is numeric:
#print(summary(glbObsAll[, glb_rsp_var_raw]))
#glb_map_rsp_raw_to_var(tst <- c(NA, as.numeric(summary(glbObsAll[, glb_rsp_var_raw]))))
#if glb_rsp_var_raw is character:
#print(table(glbObsAll[, glb_rsp_var_raw], useNA = "ifany"))
#print(table(glb_map_rsp_raw_to_var(tst <- glbObsAll[, glb_rsp_var_raw]), useNA = "ifany"))
glb_map_rsp_var_to_raw <- #NULL
function(var) {
# return(var ^ 2.0)
# return(exp(var))
# return(10 ^ var)
# return(-log(var) * 2)
# as.numeric(var)
levels(var)[as.numeric(var)]
# sapply(levels(var)[as.numeric(var)], function(elm)
# if (is.na(elm)) return(elm) else
# if (elm == 'R') return("Republican") else
# if (elm == 'D') return("Democrat") else
# stop("glb_map_rsp_var_to_raw: unexpected value: ", elm)
# )
# gsub("\\.", " ", levels(var)[as.numeric(var)])
# c("<=50K", " >50K")[as.numeric(var)]
# c(FALSE, TRUE)[as.numeric(var)]
}
#print(table(glb_map_rsp_var_to_raw(glb_map_rsp_raw_to_var(tst)), useNA = "ifany"))
if ((glb_rsp_var != glb_rsp_var_raw) && is.null(glb_map_rsp_raw_to_var))
stop("glb_map_rsp_raw_to_var function expected")
# List info gathered for various columns
# <col_name>: <description>; <notes>
# "Datereceived":
# "Product":
# "Subproduct":
# "Issue":
# "Subissue":
# "Consumercomplaintnarrative":
# "Companypublicresponse":
# "Company":
# "State":
# "ZIPcode":
# "Tags":
# "Consumerconsentprovided":
# "Submittedvia":
# "Datesenttocompany":
# "Companyresponsetoconsumer":
# "Timelyresponse":
# "Consumerdisputed": "", "No", "Yes"; glb_rsp_var_raw
# "ComplaintID": glbFeatsId
# currently does not handle more than 1 column; consider concatenating multiple columns
# If glbFeatsId == NULL, ".rownames <- as.numeric(row.names())" is the default
glbFeatsId <- "ComplaintID" # choose from c(NULL : default, "<id_feat>")
glbFeatsCategory <- "gSPrd.fctr" #NULL # choose from c(NULL : default, "<category_feat>")
# User-specified exclusions
glbFeatsExclude <- c(NULL
# Feats that shd be excluded due to known causation by prediction variable
# , "<feat1", "<feat2>"
# Feats that are factors with unique values (as % of nObs) > 49 (empirically derived)
# Feats that are linear combinations (alias in glm)
# Feature-engineering phase -> start by excluding all features except id & category &
# work each one in
, "Datereceived"
, "Product"
, "Subproduct"
, "Issue"
, "Subissue"
, "Consumercomplaintnarrative"
, "Companypublicresponse"
, "Company"
, "State"
, "ZIPcode"
, "Tags"
, "Consumerconsentprovided"
, "Submittedvia"
, "Datesenttocompany"
, "Companyresponsetoconsumer"
#, "Timelyresponse"
, ".pos"
, "ComplaintID"
, "Datereceived.POSIX" # this should be in extract_dates
, "Datesenttocompany.POSIX"
, "Datereceived.zoo" # this should be in extract_dates
, "Datesenttocompany.zoo"
)
if (glb_rsp_var_raw != glb_rsp_var)
glbFeatsExclude <- union(glbFeatsExclude, glb_rsp_var_raw)
glbFeatsInteractionOnly <- list()
#glbFeatsInteractionOnly[["<child_feat>"]] <- "<parent_feat>"
glbFeatsDrop <- c(NULL
# , "<feat1>", "<feat2>"
)
glb_map_vars <- NULL # or c("<var1>", "<var2>")
glb_map_urls <- list();
# glb_map_urls[["<var1>"]] <- "<var1.url>"
# Derived features; Use this mechanism to cleanse data ??? Cons: Data duplication ???
glbFeatsDerive <- list();
# glbFeatsDerive[["<feat.my.sfx>"]] <- list(
# mapfn = function(<arg1>, <arg2>) { return(function(<arg1>, <arg2>)) }
# , args = c("<arg1>", "<arg2>"))
#myprint_df(data.frame(ImageId = mapfn(glbObsAll$.src, glbObsAll$.pos)))
#data.frame(ImageId = mapfn(glbObsAll$.src, glbObsAll$.pos))[7045:7055, ]
# character
glbFeatsDerive[["Sent.Recd.Dys"]] <- list(
mapfn = function(raw1, raw2) { return(as.numeric(difftime(strptime(raw1, format = "%m/%d/%Y"), strptime(raw2, format = "%m/%d/%Y"), units = "days"))) }
, args = c("Datesenttocompany", "Datereceived"))
#smp <- mapfn(head(glbObsAll$Datesenttocompany), head(glbObsAll$Datereceived))
glbFeatsDerive[["gSPrd.fctr"]] <- list(
mapfn = function(raw1) { raw <- gsub(" ", "", raw1);
retVal <- dplyr::recode_factor(raw,
"ElectronicBenefitTransfer/EBTcard" = "Other",
"Transitcard" = "Other",
"Otherspecialpurposecard" = "Other"
)
return(factor(retVal))
}
, args = c("Subproduct"))
#smp <- mapfn(subset(glbObsAll, Product %in% "Prepaid card")$Subproduct); print(table(smp, useNA = "ifany"))
glbFeatsDerive[["gCompany"]] <- list(
mapfn = function(raw1) {
# Freq 1
raw <- gsub("(Woods Oviatt Gilman LLP|Washington Federal|Umpqua Holdings Corporation|USAA Savings|UMB Bank|TCF National Bank|Pay-O-Matic|New York Community Bank|Moneytree Inc|Goldman Sachs Bank USA|First Citizens|Equifax|Enova International, Inc\\.|ERC|Circle Internet Financial|Check into Cash, Inc\\.|CashCall, Inc\\.|Barclays PLC|Banco Popular North America|BMO Harris|Atlanticus Services Corporation|Arvest Bank)", "Other", raw1);
# Freq 2
raw <- gsub("(Pentagon FCU|MB Financial, INC|Fidelity National Information Services, Inc\\. \\(FNIS\\)|Encore Capital Group|Discover|BBVA Compass)", "Other", raw);
# raw <- gsub("(Discover|BBVACompass)", "Other", raw);
# Freq 3
raw <- gsub("(Travelex NY, Inc\\.|Plastyc, Inc\\.|HSBC North America Holdings Inc\\.|Continental Finance Company, LLC|BB&T Financial|Automatic Data Processing, Inc\\.|ACE Cash Express Inc\\.)", "Other", raw);
# Freq 4-9
raw <- gsub("(MoneyGram|KeyBank NA|Citizens Financial Group, Inc\\.|PLS GROUP, INC|CARD Corporation|SunTrust Banks, Inc\\.|Regions Financial Corporation|Synovus Bank|Fifth Third Financial Corporation)", "Other", raw);
# Freq >= 10 < 20
raw <- gsub("(The Western Union Company|TD Bank US Holding Company|PNC Bank N\\.A\\.|First Tennessee Bank|Synchrony Financial|JPay Inc\\.|Capital One)", "Other", raw);
# Freq >= 20 < 100
raw <- gsub("(Google Inc\\.|Wells Fargo & Company|First Data Corporation|JPMorgan Chase & Co\\.|Incomm Holdings, Inc\\.|Bank of America)", "Other", raw);
return(gsub(" ", "", raw))
#return(raw)
}
, args = c("Company"))
#smp <- mapfn(subset(glbObsAll, Product %in% "Prepaid card")$Company); print(sort(table(smp, useNA = "ifany"), decreasing = TRUE))
glbFeatsDerive[["Rgn.Dvn"]] <- list(
mapfn = function(raw1) { raw <- gsub(" ", "XX", raw1, fixed = TRUE);
raw <- gsub("(CT|ME|MA|NH|RI|VT)", "NE#NewEngland", raw);
raw <- gsub("(NJ|NY|PA)", "NE#MidAtlantic", raw);
raw <- gsub("(IL|IN|MI|OH|WI)", "MW#EastNorthCentral", raw);
raw <- gsub("(IA|KS|MN|MO|NE|ND|SD)", "MW#WestNorthCentral", raw);
raw <- gsub("(DE|FL|GA|MD|NC|SC|VA|DC|WV)", "SH#SouthAtlantic", raw);
raw <- gsub("(AL|KY|MS|TN)", "SH#EastSouthCentral", raw);
raw <- gsub("(AR|LA|OK|TX)", "SH#WestSouthCentral", raw);
raw <- gsub("(AZ|CO|ID|MT|NV|NM|UT|WY)", "WT#Mountain", raw);
raw <- gsub("(AK|CA|HI|OR|WA)", "WT#Pacific", raw);
raw[!grepl("#", raw)] <- "OT#Other";
return(raw) }
, args = c("State"))
#smp <- mapfn(glbObsAll$State); print(sort(table(smp, useNA = "ifany")))
glbFeatsDerive[["gTags"]] <- list(
mapfn = function(raw1) { raw <- gsub("( |,)", "", raw1);
raw[raw == ""] <- "Other";
return(raw) }
, args = c("Tags"))
#smp <- mapfn(glbObsAll$Tags); print(sort(table(smp, useNA = "ifany")))
glbFeatsDerive[["gCConsent"]] <- list(
mapfn = function(raw1) { raw <- gsub("( |/)", "", raw1);
raw[raw == ""] <- "NA";
return(raw) }
, args = c("Consumerconsentprovided"))
#smp <- mapfn(glbObsAll$Consumerconsentprovided); print(sort(table(smp, useNA = "ifany")))
glbFeatsDerive[["Channel"]] <- list(
mapfn = function(raw1) { raw <- gsub(" ", "", raw1, fixed = TRUE);
return(raw) }
, args = c("Submittedvia"))
#smp <- mapfn(glbObsAll$Submittedvia); print(sort(table(smp, useNA = "ifany")))
glbFeatsDerive[["Response"]] <- list(
mapfn = function(raw1) { raw <- gsub(" ", "", raw1, fixed = TRUE);
return(raw) }
, args = c("Companyresponsetoconsumer"))
#smp <- mapfn(glbObsAll$Companyresponsetoconsumer); print(sort(table(smp, useNA = "ifany")))
# mapfn = function(Education) { raw <- Education; raw[is.na(raw)] <- "NA.my"; return(as.factor(raw)) }
# mapfn = function(Week) { return(substr(Week, 1, 10)) }
# mapfn = function(Name) { return(sapply(Name, function(thsName)
# str_sub(unlist(str_split(thsName, ","))[1], 1, 1))) }
# mapfn = function(descriptor) { return(plyr::revalue(descriptor, c(
# "ABANDONED BUILDING" = "OTHER",
# "**" = "**"
# ))) }
# mapfn = function(description) { mod_raw <- description;
# This is here because it does not work if it's in txt_map_filename
# mod_raw <- gsub(paste0(c("\n", "\211", "\235", "\317", "\333"), collapse = "|"), " ", mod_raw)
# Don't parse for "." because of ".com"; use customized gsub for that text
# mod_raw <- gsub("(\\w)(!|\\*|,|-|/)(\\w)", "\\1\\2 \\3", mod_raw);
# Some state acrnoyms need context for separation e.g.
# LA/L.A. could either be "Louisiana" or "LosAngeles"
# modRaw <- gsub("\\bL\\.A\\.( |,|')", "LosAngeles\\1", modRaw);
# OK/O.K. could either be "Oklahoma" or "Okay"
# modRaw <- gsub("\\bACA OK\\b", "ACA OKay", modRaw);
# modRaw <- gsub("\\bNow O\\.K\\.\\b", "Now OKay", modRaw);
# PR/P.R. could either be "PuertoRico" or "Public Relations"
# modRaw <- gsub("\\bP\\.R\\. Campaign", "PublicRelations Campaign", modRaw);
# VA/V.A. could either be "Virginia" or "VeteransAdministration"
# modRaw <- gsub("\\bthe V\\.A\\.\\:", "the VeteranAffairs:", modRaw);
#
# Custom mods
# return(mod_raw) }
# numeric
# Create feature based on record position/id in data
glbFeatsDerive[[".pos"]] <- list(
mapfn = function(raw1) { return(1:length(raw1)) }
, args = c(".rnorm"))
# glbFeatsDerive[[".pos.y"]] <- list(
# mapfn = function(raw1) { return(1:length(raw1)) }
# , args = c(".rnorm"))
# Add logs of numerics that are not distributed normally
# Derive & keep multiple transformations of the same feature, if normality is hard to achieve with just one transformation
# Right skew: logp1; sqrt; ^ 1/3; logp1(logp1); log10; exp(-<feat>/constant)
# glbFeatsDerive[["WordCount.log1p"]] <- list(
# mapfn = function(WordCount) { return(log1p(WordCount)) }
# , args = c("WordCount"))
# glbFeatsDerive[["WordCount.root2"]] <- list(
# mapfn = function(Sent.Recd.Dys) { return(WordCount ^ (1/2)) }
# , args = c("WordCount"))
# glbFeatsDerive[["WordCount.nexp"]] <- list(
# mapfn = function(WordCount) { return(exp(-WordCount)) }
# , args = c("WordCount"))
#print(summary(glbObsAll$WordCount))
#print(summary(mapfn(glbObsAll$WordCount)))
glbFeatsDerive[["Sent.Recd.Dys.log1p"]] <- list(
mapfn = function(raw1) { return(log1p(raw1 + 2)) } # Account for < -1
, args = c("Sent.Recd.Dys"))
glbFeatsDerive[["Sent.Recd.Dys.root2"]] <- list(
mapfn = function(raw1) { return((raw1 + 2) ^ (1/2)) }
, args = c("Sent.Recd.Dys"))
glbFeatsDerive[["Sent.Recd.Dys.nexp"]] <- list(
mapfn = function(raw1) { return(exp(-raw1)) }
, args = c("Sent.Recd.Dys"))
#print(summary(glbObsAll$Sent.Recd.Dys)); print(summary(mapfn(glbObsAll$Sent.Recd.Dys)))
# If imputation shd be skipped for this feature
# glbFeatsDerive[["District.fctr"]] <- list(
# mapfn = function(District) {
# raw <- District;
# ret_vals <- rep_len("NA", length(raw));
# ret_vals[!is.na(raw)] <- sapply(raw[!is.na(raw)], function(elm)
# ifelse(elm < 10, "1-9",
# ifelse(elm < 20, "10-19", "20+")));
# return(relevel(as.factor(ret_vals), ref = "NA"))
# }
# mapfn = function(raw1) { raw <- 2016 - raw1;
# # raw[!is.na(raw) & raw >= 2010] <- NA
# raw[!is.na(raw) & (raw <= 15)] <- NA
# raw[!is.na(raw) & (raw >= 90)] <- NA
# retVal <- rep_len("NA", length(raw))
# # breaks = c(1879, seq(1949, 1989, 10), 2049)
# # cutVal <- cut(raw[!is.na(raw)], breaks = breaks,
# # labels = as.character(breaks + 1)[1:(length(breaks) - 1)])
# cutVal <- cut(raw[!is.na(raw)], breaks = c(15, 20, 25, 30, 35, 40, 50, 65, 90))
# retVal[!is.na(raw)] <- levels(cutVal)[cutVal]
# return(factor(retVal, levels = c("NA"
# ,"(15,20]","(20,25]","(25,30]","(30,35]","(35,40]","(40,50]","(50,65]","(65,90]"),
# ordered = TRUE))
# }
# , args = c("District"))
# If imputation of missing data is not working ...
# glbFeatsDerive[["FertilityRate.nonNA"]] <- list(
# mapfn = function(FertilityRate, Region) {
# RegionMdn <- tapply(FertilityRate, Region, FUN = median, na.rm = TRUE)
#
# retVal <- FertilityRate
# retVal[is.na(FertilityRate)] <- RegionMdn[Region[is.na(FertilityRate)]]
# return(retVal)
# }
# , args = c("FertilityRate", "Region"))
# for (qsn in grep("Q12", glbFeatsExclude, fixed = TRUE, value = TRUE))
# glbFeatsDerive[[paste0(qsn, ".fctr")]] <- list(
# mapfn = function(raw1) {
# raw1[raw1 %in% ""] <- "NA"
# rawVal <- unique(raw1)
#
# if (length(setdiff(rawVal, (expVal <- c("NA", "No", "Ys")))) == 0) {
# raw1 <- gsub("Yes", "Ys", raw1, fixed = TRUE)
# if (length(setdiff(rawVal, expVal)) > 0)
# stop(qsn, " vals: ", paste0(rawVal, collapse = "|"),
# " does not match expectation: ", paste0(expVal, collapse = "|"))
# } else
# if (length(setdiff(rawVal, (expVal <- c("NA", "Private", "Public")))) == 0) {
# raw1 <- gsub("Private", "Pt", raw1, fixed = TRUE)
# raw1 <- gsub("Public" , "Pc", raw1, fixed = TRUE)
# if (length(setdiff(rawVal, expVal)) > 0)
# stop(qsn, " vals: ", paste0(rawVal, collapse = "|"),
# " does not match expectation: ", paste0(expVal, collapse = "|"))
# }
#
# return(relevel(as.factor(raw1), ref = "NA"))
# }
# , args = c(qsn))
# mapfn = function(HOSPI.COST) { return(cut(HOSPI.COST, 5, breaks = c(0, 100000, 200000, 300000, 900000), labels = NULL)) }
# mapfn = function(Rasmussen) { return(ifelse(sign(Rasmussen) >= 0, 1, 0)) }
# mapfn = function(startprice) { return(startprice ^ (1/2)) }
# mapfn = function(startprice) { return(log(startprice)) }
# mapfn = function(startprice) { return(exp(-startprice / 20)) }
# mapfn = function(startprice) { return(scale(log(startprice))) }
# mapfn = function(startprice) { return(sign(sprice.predict.diff) * (abs(sprice.predict.diff) ^ (1/10))) }
# factor
# mapfn = function(PropR) { return(as.factor(ifelse(PropR >= 0.5, "Y", "N"))) }
# mapfn = function(productline, description) { as.factor(gsub(" ", "", productline)) }
# mapfn = function(purpose) { return(relevel(as.factor(purpose), ref="all_other")) }
# mapfn = function(raw) { tfr_raw <- as.character(cut(raw, 5));
# tfr_raw[is.na(tfr_raw)] <- "NA.my";
# return(as.factor(tfr_raw)) }
# mapfn = function(startprice.log10) { return(cut(startprice.log10, 3)) }
# mapfn = function(startprice.log10) { return(cut(sprice.predict.diff, c(-1000, -100, -10, -1, 0, 1, 10, 100, 1000))) }
# , args = c("<arg1>"))
# multiple args
# mapfn = function(id, date) { return(paste(as.character(id), as.character(date), sep = "#")) }
# mapfn = function(PTS, oppPTS) { return(PTS - oppPTS) }
# mapfn = function(startprice.log10.predict, startprice) {
# return(spdiff <- (10 ^ startprice.log10.predict) - startprice) }
# mapfn = function(productline, description) { as.factor(
# paste(gsub(" ", "", productline), as.numeric(nchar(description) > 0), sep = "*")) }
# mapfn = function(.src, .pos) {
# return(paste(.src, sprintf("%04d",
# ifelse(.src == "Train", .pos, .pos - 7049)
# ), sep = "#")) }
# # If glbObsAll is not sorted in the desired manner
# mapfn=function(Week) { return(coredata(lag(zoo(orderBy(~Week, glbObsAll)$ILI), -2, na.pad=TRUE))) }
# mapfn=function(ILI) { return(coredata(lag(zoo(ILI), -2, na.pad=TRUE))) }
# mapfn=function(ILI.2.lag) { return(log(ILI.2.lag)) }
# glbFeatsDerive[["<var1>"]] <- glbFeatsDerive[["<var2>"]]
# tst <- "descr.my"; args_lst <- NULL; for (arg in glbFeatsDerive[[tst]]$args) args_lst[[arg]] <- glbObsAll[, arg]; print(head(args_lst[[arg]])); print(head(drv_vals <- do.call(glbFeatsDerive[[tst]]$mapfn, args_lst)));
# print(which_ix <- which(args_lst[[arg]] == 0.75)); print(drv_vals[which_ix]);
glbFeatsDateTime <- list()
# Use OlsonNames() to enumerate supported time zones
# glbFeatsDateTime[["<DateTimeFeat>"]] <-
# c(format = "%Y-%m-%d %H:%M:%S" or "%m/%e/%y", timezone = "US/Eastern", impute.na = TRUE,
# last.ctg = FALSE, poly.ctg = FALSE)
glbFeatsDateTime[["Datereceived"]] <-
c(format = "%m/%d/%Y", impute.na = TRUE, last.ctg = FALSE, poly.ctg = FALSE)
glbFeatsDateTime[["Datesenttocompany"]] <-
c(format = "%m/%d/%Y", impute.na = TRUE, last.ctg = FALSE, poly.ctg = FALSE)
glbFeatsPrice <- NULL # or c("<price_var>")
glbFeatsImage <- list() #list(<imageFeat> = list(patchSize = 10)) # if patchSize not specified, no patch computation
glbFeatsText <- list()
Sys.setlocale("LC_ALL", "C") # For english## [1] "C/C/C/C/C/en_US.UTF-8"#glbFeatsText[["<TextFeature>"]] <- list(NULL,
# ,names = myreplacePunctuation(str_to_lower(gsub(" ", "", c(NULL,
# <comma-separated-screened-names>
# ))))
# ,rareWords = myreplacePunctuation(str_to_lower(gsub(" ", "", c(NULL,
# <comma-separated-nonSCOWL-words>
# ))))
#)
# Text Processing Step: custom modifications not present in txt_munge -> use glbFeatsDerive
# Text Processing Step: universal modifications
glb_txt_munge_filenames_pfx <- "<projectId>_mytxt_"
# Text Processing Step: tolower
# Text Processing Step: myreplacePunctuation
# Text Processing Step: removeWords
glb_txt_stop_words <- list()
# Remember to use unstemmed words
if (length(glbFeatsText) > 0) {
require(tm)
require(stringr)
glb_txt_stop_words[["<txt_var>"]] <-
sort(myreplacePunctuation(str_to_lower(gsub(" ", "", c(NULL
# Remove any words from stopwords
# , setdiff(myreplacePunctuation(stopwords("english")), c("<keep_wrd1>", <keep_wrd2>"))
# Remove salutations
,"mr","mrs","dr","Rev"
# Remove misc
#,"th" # Happy [[:digit::]]+th birthday
# Remove terms present in Trn only or New only; search for "Partition post-stem"
# ,<comma-separated-terms>
# cor.y.train == NA
# ,unlist(strsplit(paste(c(NULL
# ,"<comma-separated-terms>"
# ), collapse=",")
# freq == 1; keep c("<comma-separated-terms-to-keep>")
# ,<comma-separated-terms>
# chisq.pval high (e.g. == 1); keep c("<comma-separated-terms-to-keep>")
# ,<comma-separated-terms>
# nzv.freqRatio high (e.g. >= glbFeatsNzvFreqMax); keep c("<comma-separated-terms-to-keep>")
# ,<comma-separated-terms>
)))))
}
#orderBy(~term, glb_post_stem_words_terms_df_lst[[txtFeat]][grep("^man", glb_post_stem_words_terms_df_lst[[txtFeat]]$term), ])
#glbObsAll[glb_post_stem_words_terms_mtrx_lst[[txtFeat]][, 4866] > 0, c(glb_rsp_var, txtFeat)]
# To identify terms with a specific freq
#paste0(sort(subset(glb_post_stop_words_terms_df_lst[[txtFeat]], freq == 1)$term), collapse = ",")
#paste0(sort(subset(glb_post_stem_words_terms_df_lst[[txtFeat]], freq <= 2)$term), collapse = ",")
#subset(glb_post_stem_words_terms_df_lst[[txtFeat]], term %in% c("zinger"))
# To identify terms with a specific freq &
# are not stemmed together later OR is value of color.fctr (e.g. gold)
#paste0(sort(subset(glb_post_stop_words_terms_df_lst[[txtFeat]], (freq == 1) & !(term %in% c("blacked","blemish","blocked","blocks","buying","cables","careful","carefully","changed","changing","chargers","cleanly","cleared","connect","connects","connected","contains","cosmetics","default","defaulting","defective","definitely","describe","described","devices","displays","drop","drops","engravement","excellant","excellently","feels","fix","flawlessly","frame","framing","gentle","gold","guarantee","guarantees","handled","handling","having","install","iphone","iphones","keeped","keeps","known","lights","line","lining","liquid","liquidation","looking","lots","manuals","manufacture","minis","most","mostly","network","networks","noted","opening","operated","performance","performs","person","personalized","photograph","physically","placed","places","powering","pre","previously","products","protection","purchasing","returned","rotate","rotation","running","sales","second","seconds","shipped","shuts","sides","skin","skinned","sticker","storing","thats","theres","touching","unusable","update","updates","upgrade","weeks","wrapped","verified","verify") ))$term), collapse = ",")
#print(subset(glb_post_stem_words_terms_df_lst[[txtFeat]], (freq <= 2)))
#glbObsAll[which(terms_mtrx[, 229] > 0), glbFeatsText]
# To identify terms with cor.y == NA
#orderBy(~-freq+term, subset(glb_post_stop_words_terms_df_lst[[txtFeat]], is.na(cor.y)))
#paste(sort(subset(glb_post_stop_words_terms_df_lst[[txtFeat]], is.na(cor.y))[, "term"]), collapse=",")
#orderBy(~-freq+term, subset(glb_post_stem_words_terms_df_lst[[txtFeat]], is.na(cor.y)))
# To identify terms with low cor.y.abs
#head(orderBy(~cor.y.abs+freq+term, subset(glb_post_stem_words_terms_df_lst[[txtFeat]], !is.na(cor.y))), 5)
# To identify terms with high chisq.pval
#subset(glb_post_stem_words_terms_df_lst[[txtFeat]], chisq.pval > 0.99)
#paste0(sort(subset(glb_post_stem_words_terms_df_lst[[txtFeat]], (chisq.pval > 0.99) & (freq <= 10))$term), collapse=",")
#paste0(sort(subset(glb_post_stem_words_terms_df_lst[[txtFeat]], (chisq.pval > 0.9))$term), collapse=",")
#head(orderBy(~-chisq.pval+freq+term, glb_post_stem_words_terms_df_lst[[txtFeat]]), 5)
#glbObsAll[glb_post_stem_words_terms_mtrx_lst[[txtFeat]][, 68] > 0, glbFeatsText]
#orderBy(~term, glb_post_stem_words_terms_df_lst[[txtFeat]][grep("^m", glb_post_stem_words_terms_df_lst[[txtFeat]]$term), ])
# To identify terms with high nzv.freqRatio
#summary(glb_post_stem_words_terms_df_lst[[txtFeat]]$nzv.freqRatio)
#paste0(sort(setdiff(subset(glb_post_stem_words_terms_df_lst[[txtFeat]], (nzv.freqRatio >= glbFeatsNzvFreqMax) & (freq < 10) & (chisq.pval >= 0.05))$term, c( "128gb","3g","4g","gold","ipad1","ipad3","ipad4","ipadair2","ipadmini2","manufactur","spacegray","sprint","tmobil","verizon","wifion"))), collapse=",")
# To identify obs with a txt term
#tail(orderBy(~-freq+term, glb_post_stop_words_terms_df_lst[[txtFeat]]), 20)
#mydspObs(list(descr.my.contains="non"), cols=c("color", "carrier", "cellular", "storage"))
#grep("ever", dimnames(terms_stop_mtrx)$Terms)
#which(terms_stop_mtrx[, grep("ipad", dimnames(terms_stop_mtrx)$Terms)] > 0)
#glbObsAll[which(terms_stop_mtrx[, grep("16", dimnames(terms_stop_mtrx)$Terms)[1]] > 0), c(glbFeatsCategory, "storage", txtFeat)]
# Text Processing Step: screen for names # Move to glbFeatsText specs section in order of text processing steps
# glbFeatsText[["<txtFeat>"]]$names <- myreplacePunctuation(str_to_lower(gsub(" ", "", c(NULL
# # Person names for names screening
# ,<comma-separated-list>
#
# # Company names
# ,<comma-separated-list>
#
# # Product names
# ,<comma-separated-list>
# ))))
# glbFeatsText[["<txtFeat>"]]$rareWords <- myreplacePunctuation(str_to_lower(gsub(" ", "", c(NULL
# # Words not in SCOWL db
# ,<comma-separated-list>
# ))))
# To identify char vectors post glbFeatsTextMap
#grep("six(.*)hour", glb_txt_chr_lst[[txtFeat]], ignore.case = TRUE, value = TRUE)
#grep("[S|s]ix(.*)[H|h]our", glb_txt_chr_lst[[txtFeat]], value = TRUE)
# To identify whether terms shd be synonyms
#orderBy(~term, glb_post_stop_words_terms_df_lst[[txtFeat]][grep("^moder", glb_post_stop_words_terms_df_lst[[txtFeat]]$term), ])
# term_row_df <- glb_post_stop_words_terms_df_lst[[txtFeat]][grep("^came$", glb_post_stop_words_terms_df_lst[[txtFeat]]$term), ]
#
# cor(glb_post_stop_words_terms_mtrx_lst[[txtFeat]][glbObsAll$.lcn == "Fit", term_row_df$pos], glbObsTrn[, glb_rsp_var], use="pairwise.complete.obs")
# To identify which stopped words are "close" to a txt term
#sort(glbFeatsCluster)
# Text Processing Step: stemDocument
# To identify stemmed txt terms
#glb_post_stop_words_terms_df_lst[[txtFeat]][grep("^la$", glb_post_stop_words_terms_df_lst[[txtFeat]]$term), ]
#orderBy(~term, glb_post_stem_words_terms_df_lst[[txtFeat]][grep("^con", glb_post_stem_words_terms_df_lst[[txtFeat]]$term), ])
#glbObsAll[which(terms_stem_mtrx[, grep("use", dimnames(terms_stem_mtrx)$Terms)[[1]]] > 0), c(glbFeatsId, "productline", txtFeat)]
#glbObsAll[which(TfIdf_stem_mtrx[, 191] > 0), c(glbFeatsId, glbFeatsCategory, txtFeat)]
#glbObsAll[which(glb_post_stop_words_terms_mtrx_lst[[txtFeat]][, 6165] > 0), c(glbFeatsId, glbFeatsCategory, txtFeat)]
#which(glbObsAll$UniqueID %in% c(11915, 11926, 12198))
# Text Processing Step: mycombineSynonyms
# To identify which terms are associated with not -> combine "could not" & "couldn't"
#findAssocs(glb_full_DTM_lst[[txtFeat]], "not", 0.05)
# To identify which synonyms should be combined
#orderBy(~term, glb_post_stem_words_terms_df_lst[[txtFeat]][grep("^c", glb_post_stem_words_terms_df_lst[[txtFeat]]$term), ])
chk_comb_cor <- function(syn_lst) {
# cor(terms_stem_mtrx[glbObsAll$.src == "Train", grep("^(damag|dent|ding)$", dimnames(terms_stem_mtrx)[[2]])], glbObsTrn[, glb_rsp_var], use="pairwise.complete.obs")
print(subset(glb_post_stem_words_terms_df_lst[[txtFeat]], term %in% syn_lst$syns))
print(subset(get_corpus_terms(tm_map(glbFeatsTextCorpus[[txtFeat]], mycombineSynonyms, list(syn_lst), lazy=FALSE)), term == syn_lst$word))
# cor(terms_stop_mtrx[glbObsAll$.src == "Train", grep("^(damage|dent|ding)$", dimnames(terms_stop_mtrx)[[2]])], glbObsTrn[, glb_rsp_var], use="pairwise.complete.obs")
# cor(rowSums(terms_stop_mtrx[glbObsAll$.src == "Train", grep("^(damage|dent|ding)$", dimnames(terms_stop_mtrx)[[2]])]), glbObsTrn[, glb_rsp_var], use="pairwise.complete.obs")
}
#chk_comb_cor(syn_lst=list(word="cabl", syns=c("cabl", "cord")))
#chk_comb_cor(syn_lst=list(word="damag", syns=c("damag", "dent", "ding")))
#chk_comb_cor(syn_lst=list(word="dent", syns=c("dent", "ding")))
#chk_comb_cor(syn_lst=list(word="use", syns=c("use", "usag")))
glbFeatsTextSynonyms <- list()
# list parsed to collect glbFeatsText[[<txtFeat>]]$vldTerms
# glbFeatsTextSynonyms[["Hdln.my"]] <- list(NULL
# # people in places
# , list(word = "australia", syns = c("australia", "australian"))
# , list(word = "italy", syns = c("italy", "Italian"))
# , list(word = "newyork", syns = c("newyork", "newyorker"))
# , list(word = "Pakistan", syns = c("Pakistan", "Pakistani"))
# , list(word = "peru", syns = c("peru", "peruvian"))
# , list(word = "qatar", syns = c("qatar", "qatari"))
# , list(word = "scotland", syns = c("scotland", "scotish"))
# , list(word = "Shanghai", syns = c("Shanghai", "Shanzhai"))
# , list(word = "venezuela", syns = c("venezuela", "venezuelan"))
#
# # companies - needs to be data dependent
# # - e.g. ensure BNP in this experiment/feat always refers to BNPParibas
#
# # general synonyms
# , list(word = "Create", syns = c("Create","Creator"))
# , list(word = "cute", syns = c("cute","cutest"))
# , list(word = "Disappear", syns = c("Disappear","Fadeout"))
# , list(word = "teach", syns = c("teach", "taught"))
# , list(word = "theater", syns = c("theater", "theatre", "theatres"))
# , list(word = "understand", syns = c("understand", "understood"))
# , list(word = "weak", syns = c("weak", "weaken", "weaker", "weakest"))
# , list(word = "wealth", syns = c("wealth", "wealthi"))
#
# # custom synonyms (phrases)
#
# # custom synonyms (names)
# )
#glbFeatsTextSynonyms[["<txtFeat>"]] <- list(NULL
# , list(word="<stem1>", syns=c("<stem1>", "<stem1_2>"))
# )
for (txtFeat in names(glbFeatsTextSynonyms))
for (entryIx in 1:length(glbFeatsTextSynonyms[[txtFeat]])) {
glbFeatsTextSynonyms[[txtFeat]][[entryIx]]$word <-
str_to_lower(glbFeatsTextSynonyms[[txtFeat]][[entryIx]]$word)
glbFeatsTextSynonyms[[txtFeat]][[entryIx]]$syns <-
str_to_lower(glbFeatsTextSynonyms[[txtFeat]][[entryIx]]$syns)
}
glbFeatsTextSeed <- 181
# tm options include: check tm::weightSMART
glb_txt_terms_control <- list( # Gather model performance & run-time stats
# weighting = function(x) weightSMART(x, spec = "nnn")
# weighting = function(x) weightSMART(x, spec = "lnn")
# weighting = function(x) weightSMART(x, spec = "ann")
# weighting = function(x) weightSMART(x, spec = "bnn")
# weighting = function(x) weightSMART(x, spec = "Lnn")
#
weighting = function(x) weightSMART(x, spec = "ltn") # default
# weighting = function(x) weightSMART(x, spec = "lpn")
#
# weighting = function(x) weightSMART(x, spec = "ltc")
#
# weighting = weightBin
# weighting = weightTf
# weighting = weightTfIdf # : default
# termFreq selection criteria across obs: tm default: list(global=c(1, Inf))
, bounds = list(global = c(1, Inf))
# wordLengths selection criteria: tm default: c(3, Inf)
, wordLengths = c(1, Inf)
)
glb_txt_cor_var <- glb_rsp_var # : default # or c(<feat>)
# select one from c("union.top.val.cor", "top.cor", "top.val", default: "top.chisq", "sparse")
glbFeatsTextFilter <- "top.chisq"
glbFeatsTextTermsMax <- rep(10, length(glbFeatsText)) # :default
names(glbFeatsTextTermsMax) <- names(glbFeatsText)
# Text Processing Step: extractAssoc
glbFeatsTextAssocCor <- rep(1, length(glbFeatsText)) # :default
names(glbFeatsTextAssocCor) <- names(glbFeatsText)
# Remember to use stemmed terms
glb_important_terms <- list()
# Text Processing Step: extractPatterns (ngrams)
glbFeatsTextPatterns <- list()
#glbFeatsTextPatterns[[<txtFeat>>]] <- list()
#glbFeatsTextPatterns[[<txtFeat>>]] <- c(metropolitan.diary.colon = "Metropolitan Diary:")
# Have to set it even if it is not used
# Properties:
# numrows(glb_feats_df) << numrows(glbObsFit
# Select terms that appear in at least 0.2 * O(FP/FN(glbObsOOB)) ???
# numrows(glbObsOOB) = 1.1 * numrows(glbObsNew) ???
glb_sprs_thresholds <- NULL # or c(<txtFeat1> = 0.988, <txtFeat2> = 0.970, <txtFeat3> = 0.970)
glbFctrMaxUniqVals <- 20 # default: 20
glb_impute_na_data <- FALSE # or TRUE
glb_mice_complete.seed <- 144 # or any integer
glbFeatsCluster <- '%<d-% setdiff(names(glbObsAll), c(glb_rsp_var_raw, glb_rsp_var, glbFeatsExclude, glbFeatsCategory, glbFeatsId, ".rnorm", ".pos"))' # NULL: default or c("<feat1>", "<feat2>") or '%<d-% <expr>'
glb_cluster.seed <- 189 # or any integer
glbClusterEntropyVar <- glb_rsp_var #NULL # c(glb_rsp_var, as.factor(cut(glb_rsp_var, 3)), default: NULL)
glbFeatsClusterVarsExclude <- FALSE # default FALSE
glb_interaction_only_feats <- NULL # : default or c(<parent_feat> = "<child_feat>")
glbFeatsNzvFreqMax <- 19 # 19 : caret default
glbFeatsNzvUniqMin <- 10 # 10 : caret default
glbRFESizes <- list()
#glbRFESizes[["mdlFamily"]] <- c(4, 8, 16, 32, 64, 67, 68, 69) # Accuracy@69/70 = 0.8258
glbRFEResults <- NULL
glbObsFitOutliers <- list()
# If outliers.n >= 10; consider concatenation of interaction vars
# glbObsFitOutliers[["<mdlFamily>"]] <- c(NULL
# is.na(.rstudent)
# max(.rstudent)
# is.na(.dffits)
# .hatvalues >= 0.99
# -38,167,642 < minmax(.rstudent) < 49,649,823
# , <comma-separated-<glbFeatsId>>
# )
glbObsTrnOutliers <- list()
glbObsTrnOutliers[["Final"]] <- union(glbObsFitOutliers[["All.X"]],
c(NULL
))
# Modify mdlId to (build & extract) "<FamilyId>#<Fit|Trn>#<caretMethod>#<preProc1.preProc2>#<samplingMethod>"
glb_models_lst <- list(); glb_models_df <- data.frame()
# Add xgboost algorithm
# Regression
if (glb_is_regression) {
glbMdlMethods <- c(NULL
# deterministic
#, "lm", # same as glm
, "glm", "bayesglm", "glmnet"
, "rpart"
# non-deterministic
, "gbm", "rf"
# Unknown
, "nnet" , "avNNet" # runs 25 models per cv sample for tunelength=5
, "svmLinear", "svmLinear2"
, "svmPoly" # runs 75 models per cv sample for tunelength=5
, "svmRadial"
, "earth"
, "bagEarth" # Takes a long time
,"xgbLinear","xgbTree"
)
} else
# Classification - Add ada (auto feature selection)
if (glb_is_binomial)
glbMdlMethods <- c(NULL
# deterministic
, "bagEarth" # Takes a long time
, "glm", "bayesglm", "glmnet"
, "nnet"
, "rpart"
# non-deterministic
, "gbm"
, "avNNet" # runs 25 models per cv sample for tunelength=5
, "rf"
# Unknown
, "lda", "lda2"
# svm models crash when predict is called -> internal to kernlab it should call predict without .outcome
, "svmLinear", "svmLinear2"
, "svmPoly" # runs 75 models per cv sample for tunelength=5
, "svmRadial"
, "earth"
,"xgbLinear","xgbTree"
) else
glbMdlMethods <- c(NULL
# deterministic
,"glmnet"
# non-deterministic
,"rf"
# Unknown
,"gbm","rpart","xgbLinear","xgbTree"
)
glbMdlFamilies <- list(); glb_mdl_feats_lst <- list()
# family: Choose from c("RFE.X", "Csm.X", "All.X", "Best.Interact") %*% c(NUll, ".NOr", ".Inc")
# RFE = "Recursive Feature Elimination"
# Csm = CuStoM
# NOr = No OutlieRs
# Inc = INteraCt
# methods: Choose from c(NULL, <method>, glbMdlMethods)
#glbMdlFamilies[["RFE.X"]] <- c("glmnet", "glm") # non-NULL vector is mandatory
if (glb_is_classification && !glb_is_binomial) {
# glm does not work for multinomial
glbMdlFamilies[["All.X"]] <- c("glmnet")
} else {
glbMdlFamilies[["All.X"]] <- c("gbm", "rf", "glmnet", "glm", "bayesglm") # c("glmnet", "glm")
}
#glbMdlFamilies[["All.X.Inc"]] <- glbMdlFamilies[["All.X"]] # value not used
# Check if interaction features make RFE better
# glbMdlFamilies[["CSM.X"]] <- setdiff(glbMdlMethods, c("lda", "lda2")) # crashing due to category:.clusterid ??? #c("glmnet", "glm") # non-NULL list is mandatory
# glb_mdl_feats_lst[["CSM.X"]] <- c(NULL
# , <comma-separated-features-vector>
# )
# dAFeats.CSM.X %<d-% c(NULL
# # Interaction feats up to varImp(RFE.X.glmnet) >= 50
# , <comma-separated-features-vector>
# , setdiff(myextract_actual_feats(predictors(glbRFEResults)), c(NULL
# , <comma-separated-features-vector>
# ))
# )
# glb_mdl_feats_lst[["CSM.X"]] <- "%<d-% dAFeats.CSM.X"
glbMdlFamilies[["Final"]] <- c(NULL) # NULL vector acceptable # c("glmnet", "glm")
glbMdlSequential <- c(NULL
#, "All.X#zv.pca#rcv#glmnet"
)
# Check if tuning parameters make fit better; make it mdlFamily customizable ?
glbMdlTuneParams <- data.frame()
# When glmnet crashes at model$grid with error: ???
# AllX__rcv_glmnetTuneParams <- rbind(data.frame()
# ,data.frame(parameter = "alpha", vals = "0.100 0.325 0.550 0.775 1.000")
# ,data.frame(parameter = "lambda", vals = "9.342e-02")
# ) # max.Accuracy.OOB = 0.5956175 @ 0.325 0.03345007
# glbMdlTuneParams <- rbind(glbMdlTuneParams
# ,cbind(data.frame(mdlId = "All.X##rcv#glmnet"), AllX__rcv_glmnetTuneParams)
# ,cbind(data.frame(mdlId = "Final.All.X##rcv#glmnet"), FinalAllX__rcv_glmnetTuneParams)
# )
Low_cor_X__rcv_glmnetTuneParams <- rbind(data.frame()
,data.frame(parameter = "alpha", vals = "0.100 0.325 0.550 0.775 1.000")
,data.frame(parameter = "lambda", vals = "2.658826e-04 1.234118e-03 5.728268e-03 2.658826e-02 0.05317652")
) # max.Accuracy.OOB = 0.5956175 @ 0.325 0.03345007
glbMdlTuneParams <- rbind(glbMdlTuneParams
,cbind(data.frame(mdlId = "Low.cor.X##rcv#glmnet"), Low_cor_X__rcv_glmnetTuneParams)
# ,cbind(data.frame(mdlId = "Final.All.X##rcv#glmnet"), FinalAllX__rcv_glmnetTuneParams)
)
#avNNet
# size=[1] 3 5 7 9; decay=[0] 1e-04 0.001 0.01 0.1; bag=[FALSE]; RMSE=1.3300906
#bagEarth
# degree=1 [2] 3; nprune=64 128 256 512 [1024]; RMSE=0.6486663 (up)
# bagEarthTuneParams <- rbind(data.frame()
# ,data.frame(parameter = "degree", vals = "1")
# ,data.frame(parameter = "nprune", vals = "256")
# )
#earth
# degree=[1]; nprune=2 [9] 17 25 33; RMSE=0.1334478
#gbm
# shrinkage=0.05 [0.10] 0.15 0.20 0.25; n.trees=100 150 200 [250] 300; interaction.depth=[1] 2 3 4 5; n.minobsinnode=[10]; RMSE=0.2008313
# glbMdlTuneParams <- myrbind_df(glbMdlTuneParams, rbind(data.frame()
# ,data.frame(method = "gbm", parameter = "shrinkage", min = 0.05, max = 0.25, by = 0.05)
# ,data.frame(method = "gbm", parameter = "n.trees", min = 100, max = 300, by = 50)
# ,data.frame(method = "gbm", parameter = "interaction.depth", min = 1, max = 5, by = 1)
# ,data.frame(method = "gbm", parameter = "n.minobsinnode", min = 10, max = 10, by = 10)
# #seq(from=0.05, to=0.25, by=0.05)
# ))
#glmnet
# alpha=0.100 [0.325] 0.550 0.775 1.000; lambda=0.0005232693 0.0024288010 0.0112734954 [0.0523269304] 0.2428800957; RMSE=0.6164891
# glbMdlTuneParams <- myrbind_df(glbMdlTuneParams, rbind(data.frame()
# ,data.frame(method = "glmnet", parameter = "alpha", vals = "0.550 0.775 0.8875 0.94375 1.000")
# ,data.frame(method = "glmnet", parameter = "lambda", vals = "9.858855e-05 0.0001971771 0.0009152152 0.0042480525 0.0197177130")
# ))
#nnet
# size=3 5 [7] 9 11; decay=0.0001 0.001 0.01 [0.1] 0.2; RMSE=0.9287422
# glbMdlTuneParams <- myrbind_df(glbMdlTuneParams, rbind(data.frame()
# ,data.frame(method = "nnet", parameter = "size", vals = "3 5 7 9 11")
# ,data.frame(method = "nnet", parameter = "decay", vals = "0.0001 0.0010 0.0100 0.1000 0.2000")
# ))
#rf # Don't bother; results are not deterministic
# mtry=2 35 68 [101] 134; RMSE=0.1339974
# glbMdlTuneParams <- myrbind_df(glbMdlTuneParams, rbind(data.frame()
# ,data.frame(method = "rf", parameter = "mtry", vals = "2 5 9 13 17")
# ))
#rpart
# cp=0.020 [0.025] 0.030 0.035 0.040; RMSE=0.1770237
# glbMdlTuneParams <- myrbind_df(glbMdlTuneParams, rbind(data.frame()
# ,data.frame(method = "rpart", parameter = "cp", vals = "0.004347826 0.008695652 0.017391304 0.021739130 0.034782609")
# ))
#svmLinear
# C=0.01 0.05 [0.10] 0.50 1.00 2.00 3.00 4.00; RMSE=0.1271318; 0.1296718
# glbMdlTuneParams <- myrbind_df(glbMdlTuneParams, rbind(data.frame()
# ,data.frame(method = "svmLinear", parameter = "C", vals = "0.01 0.05 0.1 0.5 1")
# ))
#svmLinear2
# cost=0.0625 0.1250 [0.25] 0.50 1.00; RMSE=0.1276354
# glbMdlTuneParams <- myrbind_df(glbMdlTuneParams, rbind(data.frame()
# ,data.frame(method = "svmLinear2", parameter = "cost", vals = "0.0625 0.125 0.25 0.5 1")
# ))
#svmPoly
# degree=[1] 2 3 4 5; scale=0.01 0.05 [0.1] 0.5 1; C=0.50 1.00 [2.00] 3.00 4.00; RMSE=0.1276130
# glbMdlTuneParams <- myrbind_df(glbMdlTuneParams, rbind(data.frame()
# ,data.frame(method="svmPoly", parameter="degree", min=1, max=5, by=1) #seq(1, 5, 1)
# ,data.frame(method="svmPoly", parameter="scale", vals="0.01, 0.05, 0.1, 0.5, 1")
# ,data.frame(method="svmPoly", parameter="C", vals="0.50, 1.00, 2.00, 3.00, 4.00")
# ))
#svmRadial
# sigma=[0.08674323]; C=0.25 0.50 1.00 [2.00] 4.00; RMSE=0.1614957
#glb2Sav(); all.equal(sav_models_df, glb_models_df)
pkgPreprocMethods <-
# caret version: 6.0.068 # packageVersion("caret")
# operations are applied in this order: zero-variance filter, near-zero variance filter, Box-Cox/Yeo-Johnson/exponential transformation, centering, scaling, range, imputation, PCA, ICA then spatial sign
# *Impute methods needed only if NAs are fed to myfit_mdl
# Also, ordered.factor in caret creates features as Edn.fctr^4 which is treated as an exponent by bagImpute
c(NULL
,"zv", "nzv"
,"BoxCox", "YeoJohnson", "expoTrans"
,"center", "scale", "center.scale", "range"
,"knnImpute", "bagImpute", "medianImpute"
,"zv.pca", "ica", "spatialSign"
,"conditionalX")
glbMdlPreprocMethods <- list(NULL # default
# ,"All.X" = list("glmnet" = union(setdiff(pkgPreprocMethods,
# c("knnImpute", "bagImpute", "medianImpute")),
# # c(NULL)))
# c("zv.YeoJohnson.pca")))
# ,"RFE.X" = list("glmnet" = union(setdiff(pkgPreprocMethods,
# c("knnImpute", "bagImpute", "medianImpute")),
# c(NULL)))
# # c("zv.pca.spatialSign")))
)
# glbMdlPreprocMethods[["RFE.X"]] <- list("glmnet" = union(unlist(glbMdlPreprocMethods[["All.X"]]),
# "nzv.pca.spatialSign"))
# Baseline prediction model feature(s)
glb_Baseline_mdl_var <- NULL # or c("<feat>")
glbMdlMetric_terms <- NULL # or matrix(c(
# 0,1,2,3,4,
# 2,0,1,2,3,
# 4,2,0,1,2,
# 6,4,2,0,1,
# 8,6,4,2,0
# ), byrow=TRUE, nrow=5)
glbMdlMetricSummary <- NULL # or "<metric_name>"
glbMdlMetricMaximize <- NULL # or FALSE (TRUE is not the default for both classification & regression)
glbMdlMetricSummaryFn <- NULL # or function(data, lev=NULL, model=NULL) {
# confusion_mtrx <- t(as.matrix(confusionMatrix(data$pred, data$obs)))
# #print(confusion_mtrx)
# #print(confusion_mtrx * glbMdlMetric_terms)
# metric <- sum(confusion_mtrx * glbMdlMetric_terms) / nrow(data)
# names(metric) <- glbMdlMetricSummary
# return(metric)
# }
glbMdlCheckRcv <- FALSE # Turn it on when needed; otherwise takes long time
glb_rcv_n_folds <- 7 # or NULL
glb_rcv_n_repeats <- 3 # or NULL
glb_clf_proba_threshold <- NULL # 0.5
# Model selection criteria
if (glb_is_regression)
glbMdlMetricsEval <- c("min.RMSE.OOB", "max.R.sq.OOB", "min.elapsedtime.everything",
"max.Adj.R.sq.fit", "min.RMSE.fit")
#glbMdlMetricsEval <- c("min.RMSE.fit", "max.R.sq.fit", "max.Adj.R.sq.fit")
if (glb_is_classification) {
if (glb_is_binomial)
glbMdlMetricsEval <-
c("max.Accuracy.OOB", "max.AUCROCR.OOB", "max.AUCpROC.OOB",
"min.elapsedtime.everything",
# "min.aic.fit",
"max.Accuracy.fit") else
glbMdlMetricsEval <- c("max.Accuracy.OOB", "max.Kappa.OOB", "min.elapsedtime.everything")
}
# select from NULL [no ensemble models], "auto" [all models better than MFO or Baseline], c(mdl_ids in glb_models_lst) [Typically top-rated models in auto]
glbMdlEnsemble <- NULL # default # options: "auto"
# "%<d-% setdiff(mygetEnsembleAutoMdlIds(), 'CSM.X.rf')"
# c(<comma-separated-mdlIds>
# )
glbMdlEnsembleSampleMethods <- c("boot", "boot632", "cv", "repeatedcv"
# , "LOOCV" # tuneLength * nrow(fitDF) # way too many models
, "LGOCV"
, "adaptive_cv"
, "adaptive_boot"
, "adaptive_LGOCV"
)
# Only for classifications; for regressions remove "(.*)\\.prob" form the regex
# tmp_fitobs_df <- glbObsFit[, grep(paste0("^", gsub(".", "\\.", mygetPredictIds$value, fixed = TRUE), "CSM\\.X\\.(.*)\\.prob"), names(glbObsFit), value = TRUE)]; cor_mtrx <- cor(tmp_fitobs_df); cor_vctr <- sort(cor_mtrx[row.names(orderBy(~-Overall, varImp(glb_models_lst[["Ensemble.repeatedcv.glmnet"]])$imp))[1], ]); summary(cor_vctr); cor_vctr
#ntv.glm <- glm(reformulate(indepVar, glb_rsp_var), family = "binomial", data = glbObsFit)
#step.glm <- step(ntv.glm)
glbMdlSltId <- "All.X##rcv#gbm" # NULL #select from c(NULL, "All.X##rcv#glmnet", "RFE.X##rcv#glmnet", <mdlId>)
glbMdlFnlId <- NULL #select from c(NULL, glbMdlSltId)
glbMdlFnlNslId <- NULL
glbMdlFnlRslId <- NULL
glb_dsp_cols <- c(".pos", glbFeatsId, glbFeatsCategory, glb_rsp_var
# List critical cols excl. above
)
# Output specs
# lclgetfltout_df <- function(obsOutDf) {
# require(tidyr)
# obsOutDf <- obsOutDf %>%
# tidyr::separate("ImageId.x.y", c(".src", ".pos", "x", "y"),
# sep = "#", remove = TRUE, extra = "merge")
# # mnm prefix stands for max_n_mean
# mnmout_df <- obsOutDf %>%
# dplyr::group_by(.pos) %>%
# #dplyr::top_n(1, Probability1) %>% # Score = 3.9426
# #dplyr::top_n(2, Probability1) %>% # Score = ???; weighted = 3.94254;
# #dplyr::top_n(3, Probability1) %>% # Score = 3.9418; weighted = 3.94169;
# dplyr::top_n(4, Probability1) %>% # Score = ???; weighted = 3.94149;
# #dplyr::top_n(5, Probability1) %>% # Score = 3.9421; weighted = 3.94178
#
# # dplyr::summarize(xMeanN = mean(as.numeric(x)), yMeanN = mean(as.numeric(y)))
# # dplyr::summarize(xMeanN = weighted.mean(as.numeric(x), Probability1), yMeanN = mean(as.numeric(y)))
# # dplyr::summarize(xMeanN = weighted.mean(as.numeric(x), c(Probability1, 0.2357323, 0.2336925)), yMeanN = mean(as.numeric(y)))
# # dplyr::summarize(xMeanN = weighted.mean(as.numeric(x), c(Probability1)), yMeanN = mean(as.numeric(y)))
# dplyr::summarize(xMeanN = weighted.mean(as.numeric(x), c(Probability1)),
# yMeanN = weighted.mean(as.numeric(y), c(Probability1)))
#
# maxout_df <- obsOutDf %>%
# dplyr::group_by(.pos) %>%
# dplyr::summarize(maxProb1 = max(Probability1))
# fltout_df <- merge(maxout_df, obsOutDf,
# by.x = c(".pos", "maxProb1"), by.y = c(".pos", "Probability1"),
# all.x = TRUE)
# fmnout_df <- merge(fltout_df, mnmout_df,
# by.x = c(".pos"), by.y = c(".pos"),
# all.x = TRUE)
# return(fmnout_df)
# }
glbObsOut <- list(NULL
# glbFeatsId will be the first output column, by default
,vars = list()
# ,mapFn = function(obsOutDf) {
# }
)
#obsOutFnlNslDf <- savobsOutFnlNslDf
# glbObsOut$mapFn <- function(obsOutDf) {
# txfout_df <- dplyr::select(obsOutDf, -.pos.y) %>%
# dplyr::mutate(
# lunch = levels(glbObsTrn[, "lunch" ])[
# round(mean(as.numeric(glbObsTrn[, "lunch" ])), 0)],
# dinner = levels(glbObsTrn[, "dinner" ])[
# round(mean(as.numeric(glbObsTrn[, "dinner" ])), 0)],
# reserve = levels(glbObsTrn[, "reserve" ])[
# round(mean(as.numeric(glbObsTrn[, "reserve" ])), 0)],
# outdoor = levels(glbObsTrn[, "outdoor" ])[
# round(mean(as.numeric(glbObsTrn[, "outdoor" ])), 0)],
# expensive = levels(glbObsTrn[, "expensive"])[
# round(mean(as.numeric(glbObsTrn[, "expensive"])), 0)],
# liquor = levels(glbObsTrn[, "liquor" ])[
# round(mean(as.numeric(glbObsTrn[, "liquor" ])), 0)],
# table = levels(glbObsTrn[, "table" ])[
# round(mean(as.numeric(glbObsTrn[, "table" ])), 0)],
# classy = levels(glbObsTrn[, "classy" ])[
# round(mean(as.numeric(glbObsTrn[, "classy" ])), 0)],
# kids = levels(glbObsTrn[, "kids" ])[
# round(mean(as.numeric(glbObsTrn[, "kids" ])), 0)]
# )
#
# print("ObsNew output class tables:")
# print(sapply(c("lunch","dinner","reserve","outdoor",
# "expensive","liquor","table",
# "classy","kids"),
# function(feat) table(txfout_df[, feat], useNA = "ifany")))
#
# txfout_df <- txfout_df %>%
# dplyr::mutate(labels = "") %>%
# dplyr::mutate(labels =
# ifelse(lunch != "-1", paste(labels, lunch ), labels)) %>%
# dplyr::mutate(labels =
# ifelse(dinner != "-1", paste(labels, dinner ), labels)) %>%
# dplyr::mutate(labels =
# ifelse(reserve != "-1", paste(labels, reserve ), labels)) %>%
# dplyr::mutate(labels =
# ifelse(outdoor != "-1", paste(labels, outdoor ), labels)) %>%
# dplyr::mutate(labels =
# ifelse(expensive != "-1", paste(labels, expensive), labels)) %>%
# dplyr::mutate(labels =
# ifelse(liquor != "-1", paste(labels, liquor ), labels)) %>%
# dplyr::mutate(labels =
# ifelse(table != "-1", paste(labels, table ), labels)) %>%
# dplyr::mutate(labels =
# ifelse(classy != "-1", paste(labels, classy ), labels)) %>%
# dplyr::mutate(labels =
# ifelse(kids != "-1", paste(labels, kids ), labels)) %>%
# dplyr::select(business_id, labels)
# return(txfout_df)
# }
#if (!is.null(glbObsOut$mapFn)) obsOutFnlNslDf <- glbObsOut$mapFn(obsOutFnlNslDf); print(head(obsOutFnlNslDf))
glb_out_obs <- NULL # select from c(NULL : default to "new", "all", "new", "trn")
if (glb_is_classification && glb_is_binomial) {
# glbObsOut$vars[["Probability1"]] <-
# "%<d-% glbObsNew[, mygetPredictIds(glb_rsp_var, glbMdlId)$prob]"
# glbObsOut$vars[[glb_rsp_var_raw]] <-
# "%<d-% glb_map_rsp_var_to_raw(glbObsNew[,
# mygetPredictIds(glb_rsp_var, glbMdlId)$value])"
glbObsOut$vars[["Predictions"]] <-
"%<d-% glb_map_rsp_var_to_raw(glbObsNew[,
mygetPredictIds(glb_rsp_var, glbMdlFnlNslId)$value])"
} else {
# glbObsOut$vars[[glbFeatsId]] <-
# "%<d-% as.integer(gsub('Test#', '', glbObsNew[, glbFeatsId]))"
glbObsOut$vars[[glb_rsp_var]] <-
"%<d-% glbObsNew[, mygetPredictIds(glb_rsp_var, glbMdlFnlNslId)$value]"
# for (outVar in setdiff(glbFeatsExcludeLcl, glb_rsp_var_raw))
# glbObsOut$vars[[outVar]] <-
# paste0("%<d-% mean(glbObsAll[, \"", outVar, "\"], na.rm = TRUE)")
}
glbOutStackFnames <- NULL #: default
# c("ebayipads_txt_assoc1_out_bid1_stack.csv")
glbOut <- list(pfx = "CFPB-PrepaidCard-RestU-02_")
# lclImageSampleSeed <- 129
glbOutDataVizFname <- NULL # choose from c(NULL, "<projectId>_obsall.csv")
glbChunks <- list(labels = c("set_global_options_wd","set_global_options"
,"import.data","inspect.data","scrub.data","transform.data"
,"extract.features"
,"extract.features.datetime","extract.features.image","extract.features.price"
,"extract.features.text","extract.features.string"
,"extract.features.end"
,"manage.missing.data","cluster.data","partition.data.training","select.features"
,"fit.models_0","fit.models_1","fit.models_2","fit.models_3"
,"fit.data.training_0","fit.data.training_1"
,"predict.data.new"
,"display.session.info"))
# To ensure that all chunks in this script are in glbChunks
if (!is.null(chkChunksLabels <- knitr::all_labels()) && # knitr::all_labels() doesn't work in console runs
!identical(chkChunksLabels, glbChunks$labels)) {
print(sprintf("setdiff(chkChunksLabels, glbChunks$labels): %s",
setdiff(chkChunksLabels, glbChunks$labels)))
print(sprintf("setdiff(glbChunks$labels, chkChunksLabels): %s",
setdiff(glbChunks$labels, chkChunksLabels)))
}
glbChunks[["first"]] <- "select.features" #default: script will load envir from previous chunk
glbChunks[["last"]] <- NULL #default: script will save envir at end of this chunk
glbChunks[["inpFilePathName"]] <- "data/CFPB-PrepaidCard-partition-data-training-01_partition.data.training.RData" #mysavChunk(glbOut$pfx, glbChunks[["last"]]) # called from myevlChunk
# Inspect max OOB FP
#chkObsOOB <- subset(glbObsOOB, !label.fctr.All.X..rcv.glmnet.is.acc)
#chkObsOOBFP <- subset(chkObsOOB, label.fctr.All.X..rcv.glmnet == "left_eye_center") %>% dplyr::mutate(Probability1 = label.fctr.All.X..rcv.glmnet.prob) %>% select(-.src, -.pos, -x, -y) %>% lclgetfltout_df() %>% mutate(obj.distance = (((as.numeric(x) - left_eye_center_x.int) ^ 2) + ((as.numeric(y) - left_eye_center_y.int) ^ 2)) ^ 0.5) %>% dplyr::top_n(5, obj.distance) %>% dplyr::top_n(5, -patch.cor)
#
#newImgObs <- glbObsNew[(glbObsNew$ImageId == "Test#0001"), ]; print(newImgObs[which.max(newImgObs$label.fctr.Trn..rcv.glmnet.prob), ])
#OOBImgObs <- glbObsOOB[(glbObsOOB$ImageId == "Train#0003"), ]; print(OOBImgObs[which.max(OOBImgObs$label.fctr.All.X..rcv.glmnet.prob), ])
#mygetImage(which(glbObsAll[, glbFeatsId] == "Train#0003"), names(glbFeatsImage)[1], plot = TRUE, featHighlight = c("left_eye_center_x", "left_eye_center_y"), ovrlHighlight = c(66, 35))
# Depict process
glb_analytics_pn <- petrinet(name = "glb_analytics_pn",
trans_df = data.frame(id = 1:6,
name = c("data.training.all","data.new",
"model.selected","model.final",
"data.training.all.prediction","data.new.prediction"),
x=c( -5,-5,-15,-25,-25,-35),
y=c( -5, 5, 0, 0, -5, 5)
),
places_df=data.frame(id=1:4,
name=c("bgn","fit.data.training.all","predict.data.new","end"),
x=c( -0, -20, -30, -40),
y=c( 0, 0, 0, 0),
M0=c( 3, 0, 0, 0)
),
arcs_df = data.frame(
begin = c("bgn","bgn","bgn",
"data.training.all","model.selected","fit.data.training.all",
"fit.data.training.all","model.final",
"data.new","predict.data.new",
"data.training.all.prediction","data.new.prediction"),
end = c("data.training.all","data.new","model.selected",
"fit.data.training.all","fit.data.training.all","model.final",
"data.training.all.prediction","predict.data.new",
"predict.data.new","data.new.prediction",
"end","end")
))
#print(ggplot.petrinet(glb_analytics_pn))
print(ggplot.petrinet(glb_analytics_pn) + coord_flip())## Loading required package: grid
glb_analytics_avl_objs <- NULL
glb_chunks_df <- myadd_chunk(NULL,
ifelse(is.null(glbChunks$first), "import.data", glbChunks$first))## label step_major step_minor label_minor bgn end elapsed
## 1 select.features 1 0 0 4.218 NA NAStep 1.0: select features
chunk option: eval=
Step 1.0: select features
Step 1.0: select features
Step 1.0: select features
Step 1.0: select features
Step 1.0: select features
Step 1.0: select features
```{r extract.features.image, cache=FALSE, echo=FALSE, fig.height=5, fig.width=5, eval=myevlChunk(glbChunks, glbOut$pfx)}
Step 1.0: select features
Step 1.0: select features
Step 1.0: select features
Step 1.0: select features
Step 1.0: select features
Step 1.0: select features
Step 1.0: select features
Step 1.0: select features
## Warning in as.POSIXlt.POSIXct(x, tz): unknown timezone 'NA'
## Warning in as.POSIXlt.POSIXct(x, tz): unknown timezone 'NA'## Warning in cor(data.matrix(entity_df[, sel_feats]), y =
## as.numeric(entity_df[, : the standard deviation is zero## Loading required package: reshape2## Warning in as.POSIXlt.POSIXct(x, tz): unknown timezone 'NA'## Warning in as.POSIXlt.POSIXct(x, tz): unknown timezone 'NA'
## Warning in as.POSIXlt.POSIXct(x, tz): unknown timezone 'NA'
## Warning in as.POSIXlt.POSIXct(x, tz): unknown timezone 'NA'
## Warning in as.POSIXlt.POSIXct(x, tz): unknown timezone 'NA'
## Warning in as.POSIXlt.POSIXct(x, tz): unknown timezone 'NA'
## Warning in as.POSIXlt.POSIXct(x, tz): unknown timezone 'NA'
## Warning in as.POSIXlt.POSIXct(x, tz): unknown timezone 'NA'## [1] "cor(.clusterid, .clusterid.fctr)=1.0000"
## [1] "cor(CDisputed.fctr, .clusterid)=-0.0554"
## [1] "cor(CDisputed.fctr, .clusterid.fctr)=-0.0554"## Warning in myfind_cor_features(feats_df = glb_feats_df, obs_df
## = glbObsTrn, : Identified .clusterid.fctr as highly correlated
## with .clusterid## [1] "cor(Datereceived.date.fctr, Datesenttocompany.date.fctr)=1.0000"
## [1] "cor(CDisputed.fctr, Datereceived.date.fctr)=-0.0679"
## [1] "cor(CDisputed.fctr, Datesenttocompany.date.fctr)=-0.0679"## Warning in myfind_cor_features(feats_df = glb_feats_df, obs_df =
## glbObsTrn, : Identified Datesenttocompany.date.fctr as highly correlated
## with Datereceived.date.fctr## [1] "cor(Datereceived.hlday, Datesenttocompany.hlday)=1.0000"
## [1] "cor(CDisputed.fctr, Datereceived.hlday)=0.0136"
## [1] "cor(CDisputed.fctr, Datesenttocompany.hlday)=0.0136"## Warning in myfind_cor_features(feats_df = glb_feats_df, obs_df =
## glbObsTrn, : Identified Datesenttocompany.hlday as highly correlated with
## Datereceived.hlday## [1] "cor(Datereceived.juliandate, Datesenttocompany.juliandate)=1.0000"
## [1] "cor(CDisputed.fctr, Datereceived.juliandate)=-0.0677"
## [1] "cor(CDisputed.fctr, Datesenttocompany.juliandate)=-0.0677"## Warning in myfind_cor_features(feats_df = glb_feats_df, obs_df =
## glbObsTrn, : Identified Datesenttocompany.juliandate as highly correlated
## with Datereceived.juliandate## [1] "cor(Datereceived.last16.log1p, Datesenttocompany.last16.log1p)=1.0000"
## [1] "cor(CDisputed.fctr, Datereceived.last16.log1p)=0.1509"
## [1] "cor(CDisputed.fctr, Datesenttocompany.last16.log1p)=0.1509"## Warning in myfind_cor_features(feats_df = glb_feats_df, obs_df =
## glbObsTrn, : Identified Datesenttocompany.last16.log1p as highly correlated
## with Datereceived.last16.log1p## [1] "cor(Datereceived.last2.log1p, Datesenttocompany.last2.log1p)=1.0000"
## [1] "cor(CDisputed.fctr, Datereceived.last2.log1p)=0.1598"
## [1] "cor(CDisputed.fctr, Datesenttocompany.last2.log1p)=0.1598"## Warning in myfind_cor_features(feats_df = glb_feats_df, obs_df =
## glbObsTrn, : Identified Datesenttocompany.last2.log1p as highly correlated
## with Datereceived.last2.log1p## [1] "cor(Datereceived.last32.log1p, Datesenttocompany.last32.log1p)=1.0000"
## [1] "cor(CDisputed.fctr, Datereceived.last32.log1p)=0.1220"
## [1] "cor(CDisputed.fctr, Datesenttocompany.last32.log1p)=0.1220"## Warning in myfind_cor_features(feats_df = glb_feats_df, obs_df =
## glbObsTrn, : Identified Datesenttocompany.last32.log1p as highly correlated
## with Datereceived.last32.log1p## [1] "cor(Datereceived.last4.log1p, Datesenttocompany.last4.log1p)=1.0000"
## [1] "cor(CDisputed.fctr, Datereceived.last4.log1p)=0.1623"
## [1] "cor(CDisputed.fctr, Datesenttocompany.last4.log1p)=0.1623"## Warning in myfind_cor_features(feats_df = glb_feats_df, obs_df =
## glbObsTrn, : Identified Datesenttocompany.last4.log1p as highly correlated
## with Datereceived.last4.log1p## [1] "cor(Datereceived.last8.log1p, Datesenttocompany.last8.log1p)=1.0000"
## [1] "cor(CDisputed.fctr, Datereceived.last8.log1p)=0.1642"
## [1] "cor(CDisputed.fctr, Datesenttocompany.last8.log1p)=0.1642"## Warning in myfind_cor_features(feats_df = glb_feats_df, obs_df =
## glbObsTrn, : Identified Datesenttocompany.last8.log1p as highly correlated
## with Datereceived.last8.log1p## [1] "cor(Datereceived.month.fctr, Datesenttocompany.month.fctr)=1.0000"
## [1] "cor(CDisputed.fctr, Datereceived.month.fctr)=-0.0632"
## [1] "cor(CDisputed.fctr, Datesenttocompany.month.fctr)=-0.0632"## Warning in myfind_cor_features(feats_df = glb_feats_df, obs_df =
## glbObsTrn, : Identified Datesenttocompany.month.fctr as highly correlated
## with Datereceived.month.fctr## [1] "cor(Datereceived.wkend, Datesenttocompany.wkend)=1.0000"
## [1] "cor(CDisputed.fctr, Datereceived.wkend)=-0.0238"
## [1] "cor(CDisputed.fctr, Datesenttocompany.wkend)=-0.0238"## Warning in myfind_cor_features(feats_df = glb_feats_df, obs_df =
## glbObsTrn, : Identified Datesenttocompany.wkend as highly correlated with
## Datereceived.wkend## [1] "cor(Datereceived.year.fctr, Datesenttocompany.year.fctr)=1.0000"
## [1] "cor(CDisputed.fctr, Datereceived.year.fctr)=0.0497"
## [1] "cor(CDisputed.fctr, Datesenttocompany.year.fctr)=0.0497"## Warning in myfind_cor_features(feats_df = glb_feats_df, obs_df =
## glbObsTrn, : Identified Datesenttocompany.year.fctr as highly correlated
## with Datereceived.year.fctr## [1] "cor(Datereceived.juliandate, Datereceived.month.fctr)=0.9966"
## [1] "cor(CDisputed.fctr, Datereceived.juliandate)=-0.0677"
## [1] "cor(CDisputed.fctr, Datereceived.month.fctr)=-0.0632"## Warning in myfind_cor_features(feats_df = glb_feats_df, obs_df =
## glbObsTrn, : Identified Datereceived.month.fctr as highly correlated with
## Datereceived.juliandate## [1] "cor(Sent.Recd.Dys.log1p, Sent.Recd.Dys.root2)=0.9867"
## [1] "cor(CDisputed.fctr, Sent.Recd.Dys.log1p)=-0.1419"
## [1] "cor(CDisputed.fctr, Sent.Recd.Dys.root2)=-0.1412"## Warning in myfind_cor_features(feats_df = glb_feats_df, obs_df =
## glbObsTrn, : Identified Sent.Recd.Dys.root2 as highly correlated with
## Sent.Recd.Dys.log1p## [1] "cor(Sent.Recd.Dys, Sent.Recd.Dys.log1p)=0.9228"
## [1] "cor(CDisputed.fctr, Sent.Recd.Dys)=-0.1299"
## [1] "cor(CDisputed.fctr, Sent.Recd.Dys.log1p)=-0.1419"## Warning in myfind_cor_features(feats_df = glb_feats_df, obs_df =
## glbObsTrn, : Identified Sent.Recd.Dys as highly correlated with
## Sent.Recd.Dys.log1p## [1] "cor(Datereceived.last16.log1p, Datereceived.last8.log1p)=0.8463"
## [1] "cor(CDisputed.fctr, Datereceived.last16.log1p)=0.1509"
## [1] "cor(CDisputed.fctr, Datereceived.last8.log1p)=0.1642"## Warning in myfind_cor_features(feats_df = glb_feats_df, obs_df =
## glbObsTrn, : Identified Datereceived.last16.log1p as highly correlated with
## Datereceived.last8.log1p## [1] "cor(Datereceived.last4.log1p, Datereceived.last8.log1p)=0.7265"
## [1] "cor(CDisputed.fctr, Datereceived.last4.log1p)=0.1623"
## [1] "cor(CDisputed.fctr, Datereceived.last8.log1p)=0.1642"## Warning in myfind_cor_features(feats_df = glb_feats_df, obs_df =
## glbObsTrn, : Identified Datereceived.last4.log1p as highly correlated with
## Datereceived.last8.log1p## cor.y exclude.as.feat cor.y.abs
## Datereceived.last8.log1p 0.164168356 0 0.164168356
## Datesenttocompany.last8.log1p 0.164168356 0 0.164168356
## Datereceived.last4.log1p 0.162314275 0 0.162314275
## Datesenttocompany.last4.log1p 0.162314275 0 0.162314275
## Datereceived.last2.log1p 0.159849462 0 0.159849462
## Datesenttocompany.last2.log1p 0.159849462 0 0.159849462
## Datereceived.last16.log1p 0.150892831 0 0.150892831
## Datesenttocompany.last16.log1p 0.150892831 0 0.150892831
## Datereceived.last32.log1p 0.122022721 0 0.122022721
## Datesenttocompany.last32.log1p 0.122022721 0 0.122022721
## .pos 0.069085650 1 0.069085650
## gCompany.fctr 0.062837704 0 0.062837704
## gTags.fctr 0.061416859 0 0.061416859
## Sent.Recd.Dys.nexp 0.059029644 0 0.059029644
## Datereceived.zoo 0.054643150 1 0.054643150
## Datesenttocompany.zoo 0.054643150 1 0.054643150
## Timelyresponse.fctr 0.054340991 0 0.054340991
## Rgn.Dvn.fctr 0.053302356 0 0.053302356
## Datereceived.year.fctr 0.049749554 0 0.049749554
## Datesenttocompany.year.fctr 0.049749554 0 0.049749554
## ComplaintID 0.020647248 1 0.020647248
## Datereceived.POSIX 0.020575223 1 0.020575223
## Datesenttocompany.POSIX 0.020575223 1 0.020575223
## Datereceived.hlday 0.013640853 0 0.013640853
## Datesenttocompany.hlday 0.013640853 0 0.013640853
## Datereceived.wkday.fctr 0.004909536 0 0.004909536
## Datesenttocompany.wkday.fctr 0.004909536 0 0.004909536
## gCConsent.fctr -0.002776913 0 0.002776913
## .rnorm -0.004943641 0 0.004943641
## Datereceived.wkend -0.023776697 0 0.023776697
## Datesenttocompany.wkend -0.023776697 0 0.023776697
## Channel.fctr -0.031163962 0 0.031163962
## gSPrd.fctr -0.036262379 0 0.036262379
## .clusterid -0.055429506 0 0.055429506
## .clusterid.fctr -0.055429506 0 0.055429506
## Datereceived.month.fctr -0.063231079 0 0.063231079
## Datesenttocompany.month.fctr -0.063231079 0 0.063231079
## Datereceived.juliandate -0.067679757 0 0.067679757
## Datesenttocompany.juliandate -0.067679757 0 0.067679757
## Datereceived.date.fctr -0.067929494 0 0.067929494
## Datesenttocompany.date.fctr -0.067929494 0 0.067929494
## Sent.Recd.Dys -0.129861524 0 0.129861524
## Sent.Recd.Dys.root2 -0.141226398 0 0.141226398
## Sent.Recd.Dys.log1p -0.141943231 0 0.141943231
## Response.fctr -0.220910417 0 0.220910417
## Datereceived.day.minutes NA 0 NA
## Datereceived.hour.fctr NA 0 NA
## Datereceived.minute.fctr NA 0 NA
## Datereceived.second.fctr NA 0 NA
## Datesenttocompany.day.minutes NA 0 NA
## Datesenttocompany.hour.fctr NA 0 NA
## Datesenttocompany.minute.fctr NA 0 NA
## Datesenttocompany.second.fctr NA 0 NA
## cor.high.X freqRatio
## Datereceived.last8.log1p <NA> 1.109428
## Datesenttocompany.last8.log1p Datereceived.last8.log1p 1.109428
## Datereceived.last4.log1p Datereceived.last8.log1p 1.131868
## Datesenttocompany.last4.log1p Datereceived.last4.log1p 1.131868
## Datereceived.last2.log1p <NA> 1.735692
## Datesenttocompany.last2.log1p Datereceived.last2.log1p 1.735692
## Datereceived.last16.log1p Datereceived.last8.log1p 1.096698
## Datesenttocompany.last16.log1p Datereceived.last16.log1p 1.096698
## Datereceived.last32.log1p <NA> 1.244681
## Datesenttocompany.last32.log1p Datereceived.last32.log1p 1.244681
## .pos <NA> 1.000000
## gCompany.fctr <NA> 1.789357
## gTags.fctr <NA> 13.529412
## Sent.Recd.Dys.nexp <NA> 1.136364
## Datereceived.zoo <NA> 1.566667
## Datesenttocompany.zoo <NA> 1.566667
## Timelyresponse.fctr <NA> 85.939394
## Rgn.Dvn.fctr <NA> 1.274472
## Datereceived.year.fctr <NA> 2.380000
## Datesenttocompany.year.fctr Datereceived.year.fctr 2.380000
## ComplaintID <NA> 1.000000
## Datereceived.POSIX <NA> 1.566667
## Datesenttocompany.POSIX <NA> 1.566667
## Datereceived.hlday <NA> 94.633333
## Datesenttocompany.hlday Datereceived.hlday 94.633333
## Datereceived.wkday.fctr <NA> 1.087719
## Datesenttocompany.wkday.fctr <NA> 1.087719
## gCConsent.fctr <NA> 1.155955
## .rnorm <NA> 1.000000
## Datereceived.wkend <NA> 6.925414
## Datesenttocompany.wkend Datereceived.wkend 6.925414
## Channel.fctr <NA> 5.260982
## gSPrd.fctr <NA> 3.944118
## .clusterid <NA> 2.213997
## .clusterid.fctr .clusterid 2.213997
## Datereceived.month.fctr Datereceived.juliandate 3.323144
## Datesenttocompany.month.fctr Datereceived.month.fctr 3.323144
## Datereceived.juliandate <NA> 1.532258
## Datesenttocompany.juliandate Datereceived.juliandate 1.532258
## Datereceived.date.fctr <NA> 1.330341
## Datesenttocompany.date.fctr Datereceived.date.fctr 1.330341
## Sent.Recd.Dys Sent.Recd.Dys.log1p 1.136364
## Sent.Recd.Dys.root2 Sent.Recd.Dys.log1p 1.136364
## Sent.Recd.Dys.log1p <NA> 1.136364
## Response.fctr <NA> 1.531350
## Datereceived.day.minutes <NA> 0.000000
## Datereceived.hour.fctr <NA> 0.000000
## Datereceived.minute.fctr <NA> 0.000000
## Datereceived.second.fctr <NA> 0.000000
## Datesenttocompany.day.minutes <NA> 0.000000
## Datesenttocompany.hour.fctr <NA> 0.000000
## Datesenttocompany.minute.fctr <NA> 0.000000
## Datesenttocompany.second.fctr <NA> 0.000000
## percentUnique zeroVar nzv
## Datereceived.last8.log1p 0.34855350 FALSE FALSE
## Datesenttocompany.last8.log1p 0.34855350 FALSE FALSE
## Datereceived.last4.log1p 0.24398745 FALSE FALSE
## Datesenttocompany.last4.log1p 0.24398745 FALSE FALSE
## Datereceived.last2.log1p 0.20913210 FALSE FALSE
## Datesenttocompany.last2.log1p 0.20913210 FALSE FALSE
## Datereceived.last16.log1p 0.52283025 FALSE FALSE
## Datesenttocompany.last16.log1p 0.52283025 FALSE FALSE
## Datereceived.last32.log1p 0.80167306 FALSE FALSE
## Datesenttocompany.last32.log1p 0.80167306 FALSE FALSE
## .pos 100.00000000 FALSE FALSE
## gCompany.fctr 0.31369815 FALSE FALSE
## gTags.fctr 0.13942140 FALSE FALSE
## Sent.Recd.Dys.nexp 3.10212618 FALSE FALSE
## Datereceived.zoo 22.62112234 FALSE FALSE
## Datesenttocompany.zoo 22.62112234 FALSE FALSE
## Timelyresponse.fctr 0.06971070 FALSE TRUE
## Rgn.Dvn.fctr 0.34855350 FALSE FALSE
## Datereceived.year.fctr 0.10456605 FALSE FALSE
## Datesenttocompany.year.fctr 0.10456605 FALSE FALSE
## ComplaintID 100.00000000 FALSE FALSE
## Datereceived.POSIX 23.42279540 FALSE FALSE
## Datesenttocompany.POSIX 23.42279540 FALSE FALSE
## Datereceived.hlday 0.06971070 FALSE TRUE
## Datesenttocompany.hlday 0.06971070 FALSE TRUE
## Datereceived.wkday.fctr 0.24398745 FALSE FALSE
## Datesenttocompany.wkday.fctr 0.24398745 FALSE FALSE
## gCConsent.fctr 0.13942140 FALSE FALSE
## .rnorm 100.00000000 FALSE FALSE
## Datereceived.wkend 0.06971070 FALSE FALSE
## Datesenttocompany.wkend 0.06971070 FALSE FALSE
## Channel.fctr 0.17427675 FALSE FALSE
## gSPrd.fctr 0.24398745 FALSE FALSE
## .clusterid 0.13942140 FALSE FALSE
## .clusterid.fctr 0.13942140 FALSE FALSE
## Datereceived.month.fctr 0.41826420 FALSE FALSE
## Datesenttocompany.month.fctr 0.41826420 FALSE FALSE
## Datereceived.juliandate 12.37364936 FALSE FALSE
## Datesenttocompany.juliandate 12.37364936 FALSE FALSE
## Datereceived.date.fctr 0.17427675 FALSE FALSE
## Datesenttocompany.date.fctr 0.17427675 FALSE FALSE
## Sent.Recd.Dys 3.10212618 FALSE FALSE
## Sent.Recd.Dys.root2 3.10212618 FALSE FALSE
## Sent.Recd.Dys.log1p 3.10212618 FALSE FALSE
## Response.fctr 0.13942140 FALSE FALSE
## Datereceived.day.minutes 0.03485535 TRUE TRUE
## Datereceived.hour.fctr 0.03485535 TRUE TRUE
## Datereceived.minute.fctr 0.03485535 TRUE TRUE
## Datereceived.second.fctr 0.03485535 TRUE TRUE
## Datesenttocompany.day.minutes 0.03485535 TRUE TRUE
## Datesenttocompany.hour.fctr 0.03485535 TRUE TRUE
## Datesenttocompany.minute.fctr 0.03485535 TRUE TRUE
## Datesenttocompany.second.fctr 0.03485535 TRUE TRUE
## is.cor.y.abs.low
## Datereceived.last8.log1p FALSE
## Datesenttocompany.last8.log1p FALSE
## Datereceived.last4.log1p FALSE
## Datesenttocompany.last4.log1p FALSE
## Datereceived.last2.log1p FALSE
## Datesenttocompany.last2.log1p FALSE
## Datereceived.last16.log1p FALSE
## Datesenttocompany.last16.log1p FALSE
## Datereceived.last32.log1p FALSE
## Datesenttocompany.last32.log1p FALSE
## .pos FALSE
## gCompany.fctr FALSE
## gTags.fctr FALSE
## Sent.Recd.Dys.nexp FALSE
## Datereceived.zoo FALSE
## Datesenttocompany.zoo FALSE
## Timelyresponse.fctr FALSE
## Rgn.Dvn.fctr FALSE
## Datereceived.year.fctr FALSE
## Datesenttocompany.year.fctr FALSE
## ComplaintID FALSE
## Datereceived.POSIX FALSE
## Datesenttocompany.POSIX FALSE
## Datereceived.hlday FALSE
## Datesenttocompany.hlday FALSE
## Datereceived.wkday.fctr TRUE
## Datesenttocompany.wkday.fctr TRUE
## gCConsent.fctr TRUE
## .rnorm FALSE
## Datereceived.wkend FALSE
## Datesenttocompany.wkend FALSE
## Channel.fctr FALSE
## gSPrd.fctr FALSE
## .clusterid FALSE
## .clusterid.fctr FALSE
## Datereceived.month.fctr FALSE
## Datesenttocompany.month.fctr FALSE
## Datereceived.juliandate FALSE
## Datesenttocompany.juliandate FALSE
## Datereceived.date.fctr FALSE
## Datesenttocompany.date.fctr FALSE
## Sent.Recd.Dys FALSE
## Sent.Recd.Dys.root2 FALSE
## Sent.Recd.Dys.log1p FALSE
## Response.fctr FALSE
## Datereceived.day.minutes NA
## Datereceived.hour.fctr NA
## Datereceived.minute.fctr NA
## Datereceived.second.fctr NA
## Datesenttocompany.day.minutes NA
## Datesenttocompany.hour.fctr NA
## Datesenttocompany.minute.fctr NA
## Datesenttocompany.second.fctr NA## Warning in myplot_scatter(plt_feats_df, "percentUnique", "freqRatio",
## colorcol_name = "nzv", : converting nzv to class:factor## Warning: Removed 3 rows containing missing values (geom_point).
## Warning: Removed 3 rows containing missing values (geom_point).
## Warning: Removed 3 rows containing missing values (geom_point).
## cor.y exclude.as.feat cor.y.abs
## Timelyresponse.fctr 0.05434099 0 0.05434099
## Datereceived.hlday 0.01364085 0 0.01364085
## Datesenttocompany.hlday 0.01364085 0 0.01364085
## Datereceived.day.minutes NA 0 NA
## Datereceived.hour.fctr NA 0 NA
## Datereceived.minute.fctr NA 0 NA
## Datereceived.second.fctr NA 0 NA
## Datesenttocompany.day.minutes NA 0 NA
## Datesenttocompany.hour.fctr NA 0 NA
## Datesenttocompany.minute.fctr NA 0 NA
## Datesenttocompany.second.fctr NA 0 NA
## cor.high.X freqRatio percentUnique
## Timelyresponse.fctr <NA> 85.93939 0.06971070
## Datereceived.hlday <NA> 94.63333 0.06971070
## Datesenttocompany.hlday Datereceived.hlday 94.63333 0.06971070
## Datereceived.day.minutes <NA> 0.00000 0.03485535
## Datereceived.hour.fctr <NA> 0.00000 0.03485535
## Datereceived.minute.fctr <NA> 0.00000 0.03485535
## Datereceived.second.fctr <NA> 0.00000 0.03485535
## Datesenttocompany.day.minutes <NA> 0.00000 0.03485535
## Datesenttocompany.hour.fctr <NA> 0.00000 0.03485535
## Datesenttocompany.minute.fctr <NA> 0.00000 0.03485535
## Datesenttocompany.second.fctr <NA> 0.00000 0.03485535
## zeroVar nzv is.cor.y.abs.low
## Timelyresponse.fctr FALSE TRUE FALSE
## Datereceived.hlday FALSE TRUE FALSE
## Datesenttocompany.hlday FALSE TRUE FALSE
## Datereceived.day.minutes TRUE TRUE NA
## Datereceived.hour.fctr TRUE TRUE NA
## Datereceived.minute.fctr TRUE TRUE NA
## Datereceived.second.fctr TRUE TRUE NA
## Datesenttocompany.day.minutes TRUE TRUE NA
## Datesenttocompany.hour.fctr TRUE TRUE NA
## Datesenttocompany.minute.fctr TRUE TRUE NA
## Datesenttocompany.second.fctr TRUE TRUE NA
## [1] "numeric data missing in : "
## CDisputed.fctr
## 165
## [1] "numeric data w/ 0s in : "
## Sent.Recd.Dys Datereceived.wkday.fctr
## 151 143
## Datereceived.wkend Datereceived.hlday
## 2658 3004
## Datereceived.hour.fctr Datereceived.minute.fctr
## 3034 3034
## Datereceived.second.fctr Datereceived.day.minutes
## 3034 3034
## Datesenttocompany.wkday.fctr Datesenttocompany.wkend
## 143 2658
## Datesenttocompany.hlday Datesenttocompany.hour.fctr
## 3004 3034
## Datesenttocompany.minute.fctr Datesenttocompany.second.fctr
## 3034 3034
## Datesenttocompany.day.minutes Datereceived.last2.log1p
## 3034 1767
## Datereceived.last4.log1p Datereceived.last8.log1p
## 1038 594
## Datereceived.last16.log1p Datereceived.last32.log1p
## 419 215
## Datesenttocompany.last2.log1p Datesenttocompany.last4.log1p
## 1767 1038
## Datesenttocompany.last8.log1p Datesenttocompany.last16.log1p
## 594 419
## Datesenttocompany.last32.log1p
## 215
## [1] "numeric data w/ Infs in : "
## named integer(0)
## [1] "numeric data w/ NaNs in : "
## named integer(0)
## [1] "string data missing in : "
## Datereceived Product
## 0 0
## Subproduct Issue
## 0 0
## Subissue Consumercomplaintnarrative
## 3034 1940
## Companypublicresponse Company
## 2350 0
## State ZIPcode
## 34 34
## Tags Consumerconsentprovided
## 2679 61
## Submittedvia Datesenttocompany
## 0 0
## Companyresponsetoconsumer Timelyresponse
## 0 0
## Consumerdisputed gCompany
## 165 0
## Rgn.Dvn gTags
## 0 0
## gCConsent Channel
## 0 0
## Response .lcn
## 0 165## [1] "glb_feats_df:"## [1] 53 12## id exclude.as.feat rsp_var
## CDisputed.fctr CDisputed.fctr TRUE TRUE## id cor.y exclude.as.feat cor.y.abs
## ComplaintID ComplaintID 0.02064725 TRUE 0.02064725
## CDisputed.fctr CDisputed.fctr NA TRUE NA
## cor.high.X freqRatio percentUnique zeroVar nzv
## ComplaintID <NA> 1 100 FALSE FALSE
## CDisputed.fctr <NA> NA NA NA NA
## is.cor.y.abs.low interaction.feat shapiro.test.p.value
## ComplaintID FALSE <NA> NA
## CDisputed.fctr NA <NA> NA
## rsp_var_raw id_var rsp_var
## ComplaintID FALSE TRUE NA
## CDisputed.fctr NA NA TRUE## [1] "glb_feats_df vs. glbObsAll: "## character(0)## [1] "glbObsAll vs. glb_feats_df: "## character(0)## Loading required package: unbalanced## Loading required package: mlr## Loading required package: BBmisc##
## Attaching package: 'BBmisc'## The following object is masked from 'package:grid':
##
## explode## The following objects are masked from 'package:dplyr':
##
## coalesce, collapse## Loading required package: ParamHelpers## Loading required package: stringi##
## Attaching package: 'mlr'## The following object is masked from 'package:caret':
##
## train## Loading required package: doParallel## Proportion of positives after ubSMOTE : 42.86 % of 2464 observations## Consumerdisputed.Var.2 Consumerdisputed.No Consumerdisputed.Yes
## 165 NA NA
## Fit NA 991 352
## OOB NA 1441 85
## Consumerdisputed.Var.2 Consumerdisputed.No Consumerdisputed.Yes
## 1 NA NA
## Fit NA 0.7379002 0.26209978
## OOB NA 0.9442988 0.05570118## Loading required package: sqldf## Loading required package: gsubfn## Loading required package: proto## Warning in doTryCatch(return(expr), name, parentenv, handler): unable to load shared object '/Library/Frameworks/R.framework/Resources/modules//R_X11.so':
## dlopen(/Library/Frameworks/R.framework/Resources/modules//R_X11.so, 6): Library not loaded: /opt/X11/lib/libSM.6.dylib
## Referenced from: /Library/Frameworks/R.framework/Resources/modules//R_X11.so
## Reason: image not found## Could not load tcltk. Will use slower R code instead.##
## Attaching package: 'gsubfn'## The following object is masked from 'package:mlr':
##
## fn## Loading required package: RSQLite## Loading required package: DBI## gSPrd.fctr .n.Fit .n.OOB .n.Tst .freqRatio.Fit
## 1 Generalpurposecard 642 699 69 0.47803425
## 3 Governmentbenefitpaymentcard 98 163 22 0.07297096
## 2 Giftormerchantcard 114 160 21 0.08488459
## 7 Payrollcard 164 176 18 0.12211467
## 5 Mobilewallet 161 145 18 0.11988086
## 6 Other 92 89 9 0.06850335
## 4 IDprepaidcard 72 94 8 0.05361132
## .freqRatio.OOB .freqRatio.Tst
## 1 0.45806029 0.41818182
## 3 0.10681520 0.13333333
## 2 0.10484928 0.12727273
## 7 0.11533421 0.10909091
## 5 0.09501966 0.10909091
## 6 0.05832241 0.05454545
## 4 0.06159895 0.04848485## label step_major step_minor label_minor bgn end elapsed
## 1 select.features 1 0 0 4.218 9.955 5.737
## 2 fit.models 2 0 0 9.955 NA NAStep 2.0: fit models
fit.models_0_chunk_df <- myadd_chunk(NULL, "fit.models_0_bgn", label.minor = "setup")## label step_major step_minor label_minor bgn end elapsed
## 1 fit.models_0_bgn 1 0 setup 10.638 NA NA# load(paste0(glbOut$pfx, "dsk.RData"))
glbgetModelSelectFormula <- function() {
model_evl_terms <- c(NULL)
# min.aic.fit might not be avl
lclMdlEvlCriteria <-
glbMdlMetricsEval[glbMdlMetricsEval %in% names(glb_models_df)]
for (metric in lclMdlEvlCriteria)
model_evl_terms <- c(model_evl_terms,
ifelse(length(grep("max", metric)) > 0, "-", "+"), metric)
if (glb_is_classification && glb_is_binomial)
model_evl_terms <- c(model_evl_terms, "-", "opt.prob.threshold.OOB")
model_sel_frmla <- as.formula(paste(c("~ ", model_evl_terms), collapse = " "))
return(model_sel_frmla)
}
glbgetDisplayModelsDf <- function() {
dsp_models_cols <- c("id",
glbMdlMetricsEval[glbMdlMetricsEval %in% names(glb_models_df)],
grep("opt.", names(glb_models_df), fixed = TRUE, value = TRUE))
dsp_models_df <-
#orderBy(glbgetModelSelectFormula(), glb_models_df)[, c("id", glbMdlMetricsEval)]
orderBy(glbgetModelSelectFormula(), glb_models_df)[, dsp_models_cols]
nCvMdl <- sapply(glb_models_lst, function(mdl) nrow(mdl$results))
nParams <- sapply(glb_models_lst, function(mdl) ifelse(mdl$method == "custom", 0,
nrow(subset(modelLookup(mdl$method), parameter != "parameter"))))
# nCvMdl <- nCvMdl[names(nCvMdl) != "avNNet"]
# nParams <- nParams[names(nParams) != "avNNet"]
if (length(cvMdlProblems <- nCvMdl[nCvMdl <= nParams]) > 0) {
print("Cross Validation issues:")
warning("Cross Validation issues:")
print(cvMdlProblems)
}
pltMdls <- setdiff(names(nCvMdl), names(cvMdlProblems))
pltMdls <- setdiff(pltMdls, names(nParams[nParams == 0]))
# length(pltMdls) == 21
png(paste0(glbOut$pfx, "bestTune.png"), width = 480 * 2, height = 480 * 4)
grid.newpage()
pushViewport(viewport(layout = grid.layout(ceiling(length(pltMdls) / 2.0), 2)))
pltIx <- 1
for (mdlId in pltMdls) {
print(ggplot(glb_models_lst[[mdlId]], highBestTune = TRUE) + labs(title = mdlId),
vp = viewport(layout.pos.row = ceiling(pltIx / 2.0),
layout.pos.col = ((pltIx - 1) %% 2) + 1))
pltIx <- pltIx + 1
}
dev.off()
if (all(row.names(dsp_models_df) != dsp_models_df$id))
row.names(dsp_models_df) <- dsp_models_df$id
return(dsp_models_df)
}
#glbgetDisplayModelsDf()
# this needs to be in mydsutils.R as lclgetPredictions (functionality needed for utils)
glb_get_predictions <- function(df, mdl_id, rsp_var, prob_threshold_def=NULL, verbose=FALSE) {
mdl <- glb_models_lst[[mdl_id]]
clmnNames <- mygetPredictIds(rsp_var, mdl_id)
predct_var_name <- clmnNames$value
predct_prob_var_name <- clmnNames$prob
predct_accurate_var_name <- clmnNames$is.acc
predct_error_var_name <- clmnNames$err
predct_erabs_var_name <- clmnNames$err.abs
if (glb_is_regression) {
df[, predct_var_name] <- predict(mdl, newdata=df, type="raw")
if (verbose) print(myplot_scatter(df, glb_rsp_var, predct_var_name) +
facet_wrap(reformulate(glbFeatsCategory), scales = "free") +
stat_smooth(method="glm"))
df[, predct_error_var_name] <- df[, predct_var_name] - df[, glb_rsp_var]
if (verbose) print(myplot_scatter(df, predct_var_name, predct_error_var_name) +
#facet_wrap(reformulate(glbFeatsCategory), scales = "free") +
stat_smooth(method="auto"))
if (verbose) print(myplot_scatter(df, glb_rsp_var, predct_error_var_name) +
#facet_wrap(reformulate(glbFeatsCategory), scales = "free") +
stat_smooth(method="glm"))
df[, predct_erabs_var_name] <- abs(df[, predct_error_var_name])
if (verbose) print(head(orderBy(reformulate(c("-", predct_erabs_var_name)), df)))
df[, predct_accurate_var_name] <- (df[, glb_rsp_var] == df[, predct_var_name])
}
if (glb_is_classification && glb_is_binomial) {
prob_threshold <- glb_models_df[glb_models_df$id == mdl_id,
"opt.prob.threshold.OOB"]
if (is.null(prob_threshold) || is.na(prob_threshold)) {
warning("Using default probability threshold: ", prob_threshold_def)
if (is.null(prob_threshold <- prob_threshold_def))
stop("Default probability threshold is NULL")
}
df[, predct_prob_var_name] <- predict(mdl, newdata = df, type = "prob")[, 2]
df[, predct_var_name] <-
#factor(levels(df[, glb_rsp_var])[ # changed to glbObsAll since tileDf won't have it
factor(levels(glbObsAll[, glb_rsp_var])[
(df[, predct_prob_var_name] >=
prob_threshold) * 1 + 1], levels(glbObsAll[, glb_rsp_var]))
# if (verbose) print(myplot_scatter(df, glb_rsp_var, predct_var_name) +
# facet_wrap(reformulate(glbFeatsCategory), scales = "free") +
# stat_smooth(method="glm"))
if (glb_rsp_var %in% names(df)) {
df[, predct_error_var_name] <- df[, predct_var_name] != df[, glb_rsp_var]
# if (verbose) print(myplot_scatter(df, predct_var_name, predct_error_var_name) +
# #facet_wrap(reformulate(glbFeatsCategory), scales = "free") +
# stat_smooth(method="auto"))
# if (verbose) print(myplot_scatter(df, glb_rsp_var, predct_error_var_name) +
# #facet_wrap(reformulate(glbFeatsCategory), scales = "free") +
# stat_smooth(method="glm"))
# if prediction is a TP (true +ve), measure distance from 1.0
tp <- which((df[, predct_var_name] == df[, glb_rsp_var]) &
(df[, predct_var_name] == levels(df[, glb_rsp_var])[2]))
df[tp, predct_erabs_var_name] <- abs(1 - df[tp, predct_prob_var_name])
#rowIx <- which.max(df[tp, predct_erabs_var_name]); df[tp, c(glbFeatsId, glb_rsp_var, predct_var_name, predct_prob_var_name, predct_erabs_var_name)][rowIx, ]
# if prediction is a TN (true -ve), measure distance from 0.0
tn <- which((df[, predct_var_name] == df[, glb_rsp_var]) &
(df[, predct_var_name] == levels(df[, glb_rsp_var])[1]))
df[tn, predct_erabs_var_name] <- abs(0 - df[tn, predct_prob_var_name])
#rowIx <- which.max(df[tn, predct_erabs_var_name]); df[tn, c(glbFeatsId, glb_rsp_var, predct_var_name, predct_prob_var_name, predct_erabs_var_name)][rowIx, ]
# if prediction is a FP (flse +ve), measure distance from 0.0
fp <- which((df[, predct_var_name] != df[, glb_rsp_var]) &
(df[, predct_var_name] == levels(df[, glb_rsp_var])[2]))
df[fp, predct_erabs_var_name] <- abs(0 - df[fp, predct_prob_var_name])
#rowIx <- which.max(df[fp, predct_erabs_var_name]); df[fp, c(glbFeatsId, glb_rsp_var, predct_var_name, predct_prob_var_name, predct_erabs_var_name)][rowIx, ]
# if prediction is a FN (flse -ve), measure distance from 1.0
fn <- which((df[, predct_var_name] != df[, glb_rsp_var]) &
(df[, predct_var_name] == levels(df[, glb_rsp_var])[1]))
df[fn, predct_erabs_var_name] <- abs(1 - df[fn, predct_prob_var_name])
#rowIx <- which.max(df[fn, predct_erabs_var_name]); df[fn, c(glbFeatsId, glb_rsp_var, predct_var_name, predct_prob_var_name, predct_erabs_var_name)][rowIx, ]
if (verbose) print(head(orderBy(reformulate(c("-", predct_erabs_var_name)), df)))
df[, predct_accurate_var_name] <- (df[, glb_rsp_var] == df[, predct_var_name])
}
}
if (glb_is_classification && !glb_is_binomial) {
df[, predct_var_name] <- predict(mdl, newdata = df, type = "raw")
probCls <- predict(mdl, newdata = df, type = "prob")
df[, predct_prob_var_name] <- NA
for (cls in names(probCls)) {
mask <- (df[, predct_var_name] == cls)
df[mask, predct_prob_var_name] <- probCls[mask, cls]
}
if (verbose) print(myplot_histogram(df, predct_prob_var_name,
fill_col_name = predct_var_name))
if (verbose) print(myplot_histogram(df, predct_prob_var_name,
facet_frmla = paste0("~", glb_rsp_var)))
if (glb_rsp_var %in% names(df)) {
df[, predct_error_var_name] <- df[, predct_var_name] != df[, glb_rsp_var]
# if prediction is erroneous, measure predicted class prob from actual class prob
df[, predct_erabs_var_name] <- 0
for (cls in names(probCls)) {
mask <- (df[, glb_rsp_var] == cls) & (df[, predct_error_var_name])
df[mask, predct_erabs_var_name] <- probCls[mask, cls]
}
df[, predct_accurate_var_name] <- (df[, glb_rsp_var] == df[, predct_var_name])
}
}
return(df)
}
if (glb_is_classification && glb_is_binomial &&
(length(unique(glbObsFit[, glb_rsp_var])) < 2))
stop("glbObsFit$", glb_rsp_var, ": contains less than 2 unique values: ",
paste0(unique(glbObsFit[, glb_rsp_var]), collapse=", "))
max_cor_y_x_vars <- orderBy(~ -cor.y.abs,
subset(glb_feats_df, (exclude.as.feat == 0) & !nzv & !is.cor.y.abs.low &
is.na(cor.high.X)))[1:2, "id"]
max_cor_y_x_vars <- max_cor_y_x_vars[!is.na(max_cor_y_x_vars)]
if (length(max_cor_y_x_vars) < 2)
max_cor_y_x_vars <- union(max_cor_y_x_vars, ".pos")
if (!is.null(glb_Baseline_mdl_var)) {
if ((max_cor_y_x_vars[1] != glb_Baseline_mdl_var) &
(glb_feats_df[glb_feats_df$id == max_cor_y_x_vars[1], "cor.y.abs"] >
glb_feats_df[glb_feats_df$id == glb_Baseline_mdl_var, "cor.y.abs"]))
stop(max_cor_y_x_vars[1], " has a higher correlation with ", glb_rsp_var,
" than the Baseline var: ", glb_Baseline_mdl_var)
}
glb_model_type <- ifelse(glb_is_regression, "regression", "classification")
# Model specs
# c("id.prefix", "method", "type",
# # trainControl params
# "preProc.method", "cv.n.folds", "cv.n.repeats", "summary.fn",
# # train params
# "metric", "metric.maximize", "tune.df")
# Baseline
if (!is.null(glb_Baseline_mdl_var)) {
fit.models_0_chunk_df <- myadd_chunk(fit.models_0_chunk_df,
paste0("fit.models_0_", "Baseline"), major.inc = FALSE,
label.minor = "mybaseln_classfr")
ret_lst <- myfit_mdl(mdl_id="Baseline",
model_method="mybaseln_classfr",
indepVar=glb_Baseline_mdl_var,
rsp_var=glb_rsp_var,
fit_df=glbObsFit, OOB_df=glbObsOOB)
}
# Most Frequent Outcome "MFO" model: mean(y) for regression
# Not using caret's nullModel since model stats not avl
# Cannot use rpart for multinomial classification since it predicts non-MFO
if (glb_is_classification) {
fit.models_0_chunk_df <- myadd_chunk(fit.models_0_chunk_df,
paste0("fit.models_0_", "MFO"), major.inc = FALSE,
label.minor = "myMFO_classfr")
ret_lst <- myfit_mdl(mdl_specs_lst = myinit_mdl_specs_lst(mdl_specs_lst = list(
id.prefix = "MFO", type = glb_model_type, trainControl.method = "none",
train.method = ifelse(glb_is_regression, "lm", "myMFO_classfr"))),
indepVar = ".rnorm", rsp_var = glb_rsp_var,
fit_df = glbObsFit, OOB_df = glbObsOOB)
# "random" model - only for classification;
# none needed for regression since it is same as MFO
fit.models_0_chunk_df <- myadd_chunk(fit.models_0_chunk_df,
paste0("fit.models_0_", "Random"), major.inc = FALSE,
label.minor = "myrandom_classfr")
#stop(here"); glb2Sav(); all.equal(glb_models_df, sav_models_df)
ret_lst <- myfit_mdl(mdl_specs_lst = myinit_mdl_specs_lst(mdl_specs_lst = list(
id.prefix = "Random", type = glb_model_type, trainControl.method = "none",
train.method = "myrandom_classfr")),
indepVar = ".rnorm", rsp_var = glb_rsp_var,
fit_df = glbObsFit, OOB_df = glbObsOOB)
}## label step_major step_minor label_minor bgn end
## 1 fit.models_0_bgn 1 0 setup 10.638 10.662
## 2 fit.models_0_MFO 1 1 myMFO_classfr 10.662 NA
## elapsed
## 1 0.024
## 2 NA
## [1] "myfit_mdl: enter: 0.001000 secs"
## [1] "myfit_mdl: fitting model: MFO###myMFO_classfr"
## [1] " indepVar: .rnorm"
## [1] "myfit_mdl: setup complete: 0.570000 secs"
## Fitting parameter = none on full training set
## [1] "in MFO.Classifier$fit"
## [1] "unique.vals:"
## [1] N Y
## Levels: N Y
## [1] "unique.prob:"
## y
## N Y
## 0.7379002 0.2620998
## [1] "MFO.val:"
## [1] "N"
## [1] "myfit_mdl: train complete: 0.820000 secs"
## parameter
## 1 none
## Length Class Mode
## unique.vals 2 factor numeric
## unique.prob 2 table numeric
## MFO.val 1 -none- character
## x.names 1 -none- character
## xNames 1 -none- character
## problemType 1 -none- character
## tuneValue 1 data.frame list
## obsLevels 2 -none- character## Warning in if (mdl_specs_lst[["train.method"]] %in% c("glm"))
## mydisplayOutliers(mdl, : the condition has length > 1 and only the first
## element will be used## [1] "myfit_mdl: train diagnostics complete: 0.823000 secs"## Loading required namespace: pROC## [1] "entr MFO.Classifier$predict"
## [1] "exit MFO.Classifier$predict"## Loading required package: ROCR## Loading required package: gplots##
## Attaching package: 'gplots'## The following object is masked from 'package:stats':
##
## lowess##
## Attaching package: 'ROCR'## The following object is masked from 'package:mlr':
##
## performance## [1] "in MFO.Classifier$prob"
## N Y
## 1 0.7379002 0.2620998
## 2 0.7379002 0.2620998
## 3 0.7379002 0.2620998
## 4 0.7379002 0.2620998
## 5 0.7379002 0.2620998
## 6 0.7379002 0.2620998
## [1] "mypredict_mdl: maxMetricDf:"
## threshold f.score Accuracy g.score
## 1 0.00 0.4153392 0.2620998 0
## 2 0.05 0.4153392 0.2620998 0
## 3 0.10 0.4153392 0.2620998 0
## 4 0.15 0.4153392 0.2620998 0
## 5 0.20 0.4153392 0.2620998 0
## 6 0.25 0.4153392 0.2620998 0
## 7 0.30 0.0000000 0.7379002 0
## 8 0.35 0.0000000 0.7379002 0
## 9 0.40 0.0000000 0.7379002 0
## 10 0.45 0.0000000 0.7379002 0
## 11 0.50 0.0000000 0.7379002 0
## 12 0.55 0.0000000 0.7379002 0
## 13 0.60 0.0000000 0.7379002 0
## 14 0.65 0.0000000 0.7379002 0
## 15 0.70 0.0000000 0.7379002 0
## 16 0.75 0.0000000 0.7379002 0
## 17 0.80 0.0000000 0.7379002 0
## 18 0.85 0.0000000 0.7379002 0
## 19 0.90 0.0000000 0.7379002 0
## 20 0.95 0.0000000 0.7379002 0
## 21 1.00 0.0000000 0.7379002 0
## Prediction
## Reference N Y
## N 991 0
## Y 352 0
## Accuracy Kappa AccuracyLower AccuracyUpper AccuracyNull
## 7.379002e-01 0.000000e+00 7.135035e-01 7.612513e-01 7.379002e-01
## AccuracyPValue McnemarPValue
## 5.143346e-01 4.231759e-78
## [1] "entr MFO.Classifier$predict"
## [1] "exit MFO.Classifier$predict"
## [1] "in MFO.Classifier$prob"
## N Y
## 1 0.7379002 0.2620998
## 2 0.7379002 0.2620998
## 3 0.7379002 0.2620998
## 4 0.7379002 0.2620998
## 5 0.7379002 0.2620998
## 6 0.7379002 0.2620998
## [1] "mypredict_mdl: maxMetricDf:"
## threshold f.score Accuracy g.score
## 1 0.00 0.1055245 0.05570118 0
## 2 0.05 0.1055245 0.05570118 0
## 3 0.10 0.1055245 0.05570118 0
## 4 0.15 0.1055245 0.05570118 0
## 5 0.20 0.1055245 0.05570118 0
## 6 0.25 0.1055245 0.05570118 0
## 7 0.30 0.0000000 0.94429882 0
## 8 0.35 0.0000000 0.94429882 0
## 9 0.40 0.0000000 0.94429882 0
## 10 0.45 0.0000000 0.94429882 0
## 11 0.50 0.0000000 0.94429882 0
## 12 0.55 0.0000000 0.94429882 0
## 13 0.60 0.0000000 0.94429882 0
## 14 0.65 0.0000000 0.94429882 0
## 15 0.70 0.0000000 0.94429882 0
## 16 0.75 0.0000000 0.94429882 0
## 17 0.80 0.0000000 0.94429882 0
## 18 0.85 0.0000000 0.94429882 0
## 19 0.90 0.0000000 0.94429882 0
## 20 0.95 0.0000000 0.94429882 0
## 21 1.00 0.0000000 0.94429882 0## Prediction
## Reference N Y
## N 1441 0
## Y 85 0
## Accuracy Kappa AccuracyLower AccuracyUpper AccuracyNull
## 9.442988e-01 0.000000e+00 9.315826e-01 9.552688e-01 9.442988e-01
## AccuracyPValue McnemarPValue
## 5.288161e-01 8.156649e-20
## [1] "myfit_mdl: predict complete: 5.873000 secs"
## id feats max.nTuningRuns min.elapsedtime.everything
## 1 MFO###myMFO_classfr .rnorm 0 0.244
## min.elapsedtime.final max.AUCpROC.fit max.Sens.fit max.Spec.fit
## 1 0.004 0.5 1 0
## max.AUCROCR.fit opt.prob.threshold.fit max.f.score.fit max.Accuracy.fit
## 1 0.5 0.5 0 0.7379002
## max.AccuracyLower.fit max.AccuracyUpper.fit max.Kappa.fit
## 1 0.7135035 0.7612513 0
## min.log.loss.mean.fit max.AUCpROC.OOB max.Sens.OOB max.Spec.OOB
## 1 0.5752418 0.5 1 0
## max.AUCROCR.OOB opt.prob.threshold.OOB max.f.score.OOB max.Accuracy.OOB
## 1 0.5 0.5 0 0.9442988
## max.AccuracyLower.OOB max.AccuracyUpper.OOB max.Kappa.OOB
## 1 0.9315826 0.9552688 0
## min.log.loss.mean.OOB
## 1 0.361602
## [1] "in MFO.Classifier$prob"
## N Y
## 1 0.7379002 0.2620998
## 2 0.7379002 0.2620998
## 3 0.7379002 0.2620998
## 4 0.7379002 0.2620998
## 5 0.7379002 0.2620998
## 6 0.7379002 0.2620998
## [1] "myfit_mdl: exit: 5.906000 secs"
## label step_major step_minor label_minor bgn end
## 2 fit.models_0_MFO 1 1 myMFO_classfr 10.662 16.571
## 3 fit.models_0_Random 1 2 myrandom_classfr 16.572 NA
## elapsed
## 2 5.909
## 3 NA
## [1] "myfit_mdl: enter: 0.001000 secs"
## [1] "myfit_mdl: fitting model: Random###myrandom_classfr"
## [1] " indepVar: .rnorm"
## [1] "myfit_mdl: setup complete: 0.348000 secs"
## Fitting parameter = none on full training set
## [1] "myfit_mdl: train complete: 0.522000 secs"
## parameter
## 1 none
## Length Class Mode
## unique.vals 2 factor numeric
## unique.prob 2 table numeric
## xNames 1 -none- character
## problemType 1 -none- character
## tuneValue 1 data.frame list
## obsLevels 2 -none- character## Warning in if (mdl_specs_lst[["train.method"]] %in% c("glm"))
## mydisplayOutliers(mdl, : the condition has length > 1 and only the first
## element will be used
## [1] "myfit_mdl: train diagnostics complete: 0.524000 secs"
## [1] "in Random.Classifier$prob"
## [1] "mypredict_mdl: maxMetricDf:"
## threshold f.score Accuracy g.score
## 7 0.30 0.2715328 0.6284438 0.447459
## 8 0.35 0.2715328 0.6284438 0.447459
## 9 0.40 0.2715328 0.6284438 0.447459
## 10 0.45 0.2715328 0.6284438 0.447459
## 11 0.50 0.2715328 0.6284438 0.447459
## 12 0.55 0.2715328 0.6284438 0.447459
## 13 0.60 0.2715328 0.6284438 0.447459
## 14 0.65 0.2715328 0.6284438 0.447459
## 15 0.70 0.2715328 0.6284438 0.447459
## Prediction
## Reference N Y
## N 751 240
## Y 259 93
## Accuracy Kappa AccuracyLower AccuracyUpper AccuracyNull
## 0.6284438 0.0224150 0.6019692 0.6543549 0.7379002
## AccuracyPValue McnemarPValue
## 1.0000000 0.4203636
## [1] "in Random.Classifier$prob"
## [1] "mypredict_mdl: maxMetricDf:"
## threshold f.score Accuracy g.score
## 7 0.30 0.09960159 0.7038008 0.4627179
## 8 0.35 0.09960159 0.7038008 0.4627179
## 9 0.40 0.09960159 0.7038008 0.4627179
## 10 0.45 0.09960159 0.7038008 0.4627179
## 11 0.50 0.09960159 0.7038008 0.4627179
## 12 0.55 0.09960159 0.7038008 0.4627179
## 13 0.60 0.09960159 0.7038008 0.4627179
## 14 0.65 0.09960159 0.7038008 0.4627179
## 15 0.70 0.09960159 0.7038008 0.4627179
## Prediction
## Reference N Y
## N 1049 392
## Y 60 25
## Accuracy Kappa AccuracyLower AccuracyUpper AccuracyNull
## 7.038008e-01 7.782359e-03 6.801885e-01 7.266262e-01 9.442988e-01
## AccuracyPValue McnemarPValue
## 1.000000e+00 1.183701e-54
## [1] "myfit_mdl: predict complete: 5.829000 secs"
## id feats max.nTuningRuns
## 1 Random###myrandom_classfr .rnorm 0
## min.elapsedtime.everything min.elapsedtime.final max.AUCpROC.fit
## 1 0.171 0.001 0.4924921
## max.Sens.fit max.Spec.fit max.AUCROCR.fit opt.prob.threshold.fit
## 1 0.740666 0.2443182 0.5110125 0.5
## max.f.score.fit max.Accuracy.fit max.AccuracyLower.fit
## 1 0.2715328 0.6284438 0.6019692
## max.AccuracyUpper.fit max.Kappa.fit min.log.loss.mean.fit
## 1 0.6543549 0.022415 0.6885383
## max.AUCpROC.OOB max.Sens.OOB max.Spec.OOB max.AUCROCR.OOB
## 1 0.4916929 0.7480916 0.2352941 0.5110422
## opt.prob.threshold.OOB max.f.score.OOB max.Accuracy.OOB
## 1 0.5 0.09960159 0.7038008
## max.AccuracyLower.OOB max.AccuracyUpper.OOB max.Kappa.OOB
## 1 0.6801885 0.7266262 0.007782359
## min.log.loss.mean.OOB
## 1 0.6105375
## [1] "in Random.Classifier$prob"
## [1] "myfit_mdl: exit: 6.310000 secs"# Max.cor.Y
# Check impact of cv
# rpart is not a good candidate since caret does not optimize cp (only tuning parameter of rpart) well
fit.models_0_chunk_df <- myadd_chunk(fit.models_0_chunk_df,
paste0("fit.models_0_", "Max.cor.Y.rcv.*X*"), major.inc = FALSE,
label.minor = "glmnet")## label step_major step_minor label_minor
## 3 fit.models_0_Random 1 2 myrandom_classfr
## 4 fit.models_0_Max.cor.Y.rcv.*X* 1 3 glmnet
## bgn end elapsed
## 3 16.572 22.89 6.318
## 4 22.890 NA NAret_lst <- myfit_mdl(mdl_specs_lst = myinit_mdl_specs_lst(mdl_specs_lst = list(
id.prefix = "Max.cor.Y.rcv.1X1", type = glb_model_type, trainControl.method = "none",
train.method = "glmnet")),
indepVar = max_cor_y_x_vars, rsp_var = glb_rsp_var,
fit_df = glbObsFit, OOB_df = glbObsOOB)## [1] "myfit_mdl: enter: 0.000000 secs"
## [1] "myfit_mdl: fitting model: Max.cor.Y.rcv.1X1###glmnet"
## [1] " indepVar: Response.fctr,Datereceived.last8.log1p"
## [1] "myfit_mdl: setup complete: 0.586000 secs"## Loading required package: glmnet## Loading required package: Matrix## Loaded glmnet 2.0-5## Fitting alpha = 0.1, lambda = 0.0019 on full training set
## [1] "myfit_mdl: train complete: 1.140000 secs"
## alpha lambda
## 1 0.1 0.00190116
## Length Class Mode
## a0 63 -none- numeric
## beta 378 dgCMatrix S4
## df 63 -none- numeric
## dim 2 -none- numeric
## lambda 63 -none- numeric
## dev.ratio 63 -none- numeric
## nulldev 1 -none- numeric
## npasses 1 -none- numeric
## jerr 1 -none- numeric
## offset 1 -none- logical
## classnames 2 -none- character
## call 5 -none- call
## nobs 1 -none- numeric
## lambdaOpt 1 -none- numeric
## xNames 6 -none- character
## problemType 1 -none- character
## tuneValue 2 data.frame list
## obsLevels 2 -none- character
## [1] "min lambda > lambdaOpt:"
## (Intercept)
## -1.63862743
## Datereceived.last8.log1p
## 0.09364068
## Response.fctrClosed
## -0.52210586
## Response.fctrClosedwithmonetaryrelief
## -1.00321532
## Response.fctrClosedwithnon-monetaryrelief
## -1.18725796
## [1] "max lambda < lambdaOpt:"
## [1] "Feats mismatch between coefs_left & rght:"
## [1] "(Intercept)"
## [2] "Datereceived.last8.log1p"
## [3] "Response.fctrClosed"
## [4] "Response.fctrClosedwithmonetaryrelief"
## [5] "Response.fctrClosedwithnon-monetaryrelief"
## [6] "Response.fctrInprogress"
## [7] "Response.fctrUntimelyresponse"
## [1] "myfit_mdl: train diagnostics complete: 1.194000 secs"
## Prediction
## Reference N Y
## N 554 437
## Y 85 267
## Accuracy Kappa AccuracyLower AccuracyUpper AccuracyNull
## 6.113179e-01 2.401343e-01 5.846551e-01 6.374925e-01 7.379002e-01
## AccuracyPValue McnemarPValue
## 1.000000e+00 2.905055e-53
## Prediction
## Reference N Y
## N 806 635
## Y 23 62
## Accuracy Kappa AccuracyLower AccuracyUpper AccuracyNull
## 5.688073e-01 6.580874e-02 5.435193e-01 5.938301e-01 9.442988e-01
## AccuracyPValue McnemarPValue
## 1.000000e+00 2.109655e-125
## [1] "myfit_mdl: predict complete: 6.121000 secs"
## id feats
## 1 Max.cor.Y.rcv.1X1###glmnet Response.fctr,Datereceived.last8.log1p
## max.nTuningRuns min.elapsedtime.everything min.elapsedtime.final
## 1 0 0.551 0.022
## max.AUCpROC.fit max.Sens.fit max.Spec.fit max.AUCROCR.fit
## 1 0.5 1 0 0.6893118
## opt.prob.threshold.fit max.f.score.fit max.Accuracy.fit
## 1 0.25 0.5056818 0.6113179
## max.AccuracyLower.fit max.AccuracyUpper.fit max.Kappa.fit
## 1 0.5846551 0.6374925 0.2401343
## min.log.loss.mean.fit max.AUCpROC.OOB max.Sens.OOB max.Spec.OOB
## 1 0.5259098 0.5 1 0
## max.AUCROCR.OOB opt.prob.threshold.OOB max.f.score.OOB max.Accuracy.OOB
## 1 0.6828591 0.35 0.1585678 0.5688073
## max.AccuracyLower.OOB max.AccuracyUpper.OOB max.Kappa.OOB
## 1 0.5435193 0.5938301 0.06580874
## min.log.loss.mean.OOB
## 1 0.3427547
## [1] "myfit_mdl: exit: 6.166000 secs"if (glbMdlCheckRcv) {
# rcv_n_folds == 1 & rcv_n_repeats > 1 crashes
for (rcv_n_folds in seq(3, glb_rcv_n_folds + 2, 2))
for (rcv_n_repeats in seq(1, glb_rcv_n_repeats + 2, 2)) {
# Experiment specific code to avoid caret crash
# lcl_tune_models_df <- rbind(data.frame()
# ,data.frame(method = "glmnet", parameter = "alpha",
# vals = "0.100 0.325 0.550 0.775 1.000")
# ,data.frame(method = "glmnet", parameter = "lambda",
# vals = "9.342e-02")
# )
ret_lst <- myfit_mdl(mdl_specs_lst = myinit_mdl_specs_lst(mdl_specs_lst =
list(
id.prefix = paste0("Max.cor.Y.rcv.", rcv_n_folds, "X", rcv_n_repeats),
type = glb_model_type,
# tune.df = lcl_tune_models_df,
trainControl.method = "repeatedcv",
trainControl.number = rcv_n_folds,
trainControl.repeats = rcv_n_repeats,
trainControl.classProbs = glb_is_classification,
trainControl.summaryFunction = glbMdlMetricSummaryFn,
train.method = "glmnet", train.metric = glbMdlMetricSummary,
train.maximize = glbMdlMetricMaximize)),
indepVar = max_cor_y_x_vars, rsp_var = glb_rsp_var,
fit_df = glbObsFit, OOB_df = glbObsOOB)
}
# Add parallel coordinates graph of glb_models_df[, glbMdlMetricsEval] to evaluate cv parameters
tmp_models_cols <- c("id", "max.nTuningRuns",
glbMdlMetricsEval[glbMdlMetricsEval %in% names(glb_models_df)],
grep("opt.", names(glb_models_df), fixed = TRUE, value = TRUE))
print(myplot_parcoord(obs_df = subset(glb_models_df,
grepl("Max.cor.Y.rcv.", id, fixed = TRUE),
select = -feats)[, tmp_models_cols],
id_var = "id"))
}
# Useful for stacking decisions
# fit.models_0_chunk_df <- myadd_chunk(fit.models_0_chunk_df,
# paste0("fit.models_0_", "Max.cor.Y[rcv.1X1.cp.0|]"), major.inc = FALSE,
# label.minor = "rpart")
#
# ret_lst <- myfit_mdl(mdl_specs_lst = myinit_mdl_specs_lst(mdl_specs_lst = list(
# id.prefix = "Max.cor.Y.rcv.1X1.cp.0", type = glb_model_type, trainControl.method = "none",
# train.method = "rpart",
# tune.df=data.frame(method="rpart", parameter="cp", min=0.0, max=0.0, by=0.1))),
# indepVar=max_cor_y_x_vars, rsp_var=glb_rsp_var,
# fit_df=glbObsFit, OOB_df=glbObsOOB)
#stop(here"); glb2Sav(); all.equal(glb_models_df, sav_models_df)
# if (glb_is_regression || glb_is_binomial) # For multinomials this model will be run next by default
ret_lst <- myfit_mdl(mdl_specs_lst = myinit_mdl_specs_lst(mdl_specs_lst = list(
id.prefix = "Max.cor.Y",
type = glb_model_type, trainControl.method = "repeatedcv",
trainControl.number = glb_rcv_n_folds,
trainControl.repeats = glb_rcv_n_repeats,
trainControl.classProbs = glb_is_classification,
trainControl.summaryFunction = glbMdlMetricSummaryFn,
trainControl.blockParallel = glbMdlSequential,
train.metric = glbMdlMetricSummary,
train.maximize = glbMdlMetricMaximize,
train.method = "rpart")),
indepVar = max_cor_y_x_vars, rsp_var = glb_rsp_var,
fit_df = glbObsFit, OOB_df = glbObsOOB)## [1] "myfit_mdl: enter: 0.000000 secs"
## [1] "myfit_mdl: fitting model: Max.cor.Y##rcv#rpart"
## [1] " indepVar: Response.fctr,Datereceived.last8.log1p"
## [1] "myfit_mdl: setup complete: 0.576000 secs"## Loading required package: rpart## Aggregating results
## Fitting final model on full training set
## [1] "myfit_mdl: train complete: 1.841000 secs"
## cp
## 1 0## Loading required package: rpart.plot
## Call:
## rpart(formula = .outcome ~ ., control = list(minsplit = 20, minbucket = 7,
## cp = 0, maxcompete = 4, maxsurrogate = 5, usesurrogate = 2,
## surrogatestyle = 0, maxdepth = 30, xval = 0))
## n= 1343
##
## CP nsplit rel error
## 1 0 0 1
##
## Node number 1: 1343 observations
## predicted class=N expected loss=0.2620998 P(node) =1
## class counts: 991 352
## probabilities: 0.738 0.262
##
## n= 1343
##
## node), split, n, loss, yval, (yprob)
## * denotes terminal node
##
## 1) root 1343 352 N (0.7379002 0.2620998) *
## [1] "myfit_mdl: train diagnostics complete: 1.962000 secs"
## [1] "mypredict_mdl: maxMetricDf:"
## threshold f.score Accuracy g.score
## 1 0.00 0.4153392 0.2620998 0
## 2 0.05 0.4153392 0.2620998 0
## 3 0.10 0.4153392 0.2620998 0
## 4 0.15 0.4153392 0.2620998 0
## 5 0.20 0.4153392 0.2620998 0
## 6 0.25 0.4153392 0.2620998 0
## 7 0.30 0.0000000 0.7379002 0
## 8 0.35 0.0000000 0.7379002 0
## 9 0.40 0.0000000 0.7379002 0
## 10 0.45 0.0000000 0.7379002 0
## 11 0.50 0.0000000 0.7379002 0
## 12 0.55 0.0000000 0.7379002 0
## 13 0.60 0.0000000 0.7379002 0
## 14 0.65 0.0000000 0.7379002 0
## 15 0.70 0.0000000 0.7379002 0
## 16 0.75 0.0000000 0.7379002 0
## 17 0.80 0.0000000 0.7379002 0
## 18 0.85 0.0000000 0.7379002 0
## 19 0.90 0.0000000 0.7379002 0
## 20 0.95 0.0000000 0.7379002 0
## 21 1.00 0.0000000 0.7379002 0
## Prediction
## Reference N Y
## N 991 0
## Y 352 0
## Accuracy Kappa AccuracyLower AccuracyUpper AccuracyNull
## 7.379002e-01 0.000000e+00 7.135035e-01 7.612513e-01 7.379002e-01
## AccuracyPValue McnemarPValue
## 5.143346e-01 4.231759e-78
## [1] "mypredict_mdl: maxMetricDf:"
## threshold f.score Accuracy g.score
## 1 0.00 0.1055245 0.05570118 0
## 2 0.05 0.1055245 0.05570118 0
## 3 0.10 0.1055245 0.05570118 0
## 4 0.15 0.1055245 0.05570118 0
## 5 0.20 0.1055245 0.05570118 0
## 6 0.25 0.1055245 0.05570118 0
## 7 0.30 0.0000000 0.94429882 0
## 8 0.35 0.0000000 0.94429882 0
## 9 0.40 0.0000000 0.94429882 0
## 10 0.45 0.0000000 0.94429882 0
## 11 0.50 0.0000000 0.94429882 0
## 12 0.55 0.0000000 0.94429882 0
## 13 0.60 0.0000000 0.94429882 0
## 14 0.65 0.0000000 0.94429882 0
## 15 0.70 0.0000000 0.94429882 0
## 16 0.75 0.0000000 0.94429882 0
## 17 0.80 0.0000000 0.94429882 0
## 18 0.85 0.0000000 0.94429882 0
## 19 0.90 0.0000000 0.94429882 0
## 20 0.95 0.0000000 0.94429882 0
## 21 1.00 0.0000000 0.94429882 0
## Prediction
## Reference N Y
## N 1441 0
## Y 85 0
## Accuracy Kappa AccuracyLower AccuracyUpper AccuracyNull
## 9.442988e-01 0.000000e+00 9.315826e-01 9.552688e-01 9.442988e-01
## AccuracyPValue McnemarPValue
## 5.288161e-01 8.156649e-20
## [1] "myfit_mdl: predict complete: 6.808000 secs"
## id feats
## 1 Max.cor.Y##rcv#rpart Response.fctr,Datereceived.last8.log1p
## max.nTuningRuns min.elapsedtime.everything min.elapsedtime.final
## 1 1 1.261 0.013
## max.AUCpROC.fit max.Sens.fit max.Spec.fit max.AUCROCR.fit
## 1 0.5 1 0 0.5
## opt.prob.threshold.fit max.f.score.fit max.Accuracy.fit
## 1 0.5 0 0.7297093
## max.AccuracyLower.fit max.AccuracyUpper.fit max.Kappa.fit
## 1 0.7135035 0.7612513 0.002957175
## min.log.loss.mean.fit max.AUCpROC.OOB max.Sens.OOB max.Spec.OOB
## 1 0.5752418 0.5 1 0
## max.AUCROCR.OOB opt.prob.threshold.OOB max.f.score.OOB max.Accuracy.OOB
## 1 0.5 0.5 0 0.9442988
## max.AccuracyLower.OOB max.AccuracyUpper.OOB max.Kappa.OOB
## 1 0.9315826 0.9552688 0
## min.log.loss.mean.OOB max.AccuracySD.fit max.KappaSD.fit
## 1 0.361602 0.01293782 0.01699599
## [1] "myfit_mdl: exit: 6.857000 secs"if ((length(glbFeatsDateTime) > 0) &&
(sum(grepl(paste(names(glbFeatsDateTime), "\\.day\\.minutes\\.poly\\.", sep = ""),
names(glbObsAll))) > 0)) {
fit.models_0_chunk_df <- myadd_chunk(fit.models_0_chunk_df,
paste0("fit.models_0_", "Max.cor.Y.Time.Poly"), major.inc = FALSE,
label.minor = "glmnet")
indepVars <- c(max_cor_y_x_vars,
grep(paste(names(glbFeatsDateTime), "\\.day\\.minutes\\.poly\\.", sep = ""),
names(glbObsAll), value = TRUE))
indepVars <- myadjustInteractionFeats(glb_feats_df, indepVars)
ret_lst <- myfit_mdl(mdl_specs_lst = myinit_mdl_specs_lst(mdl_specs_lst = list(
id.prefix = "Max.cor.Y.Time.Poly",
type = glb_model_type, trainControl.method = "repeatedcv",
trainControl.number = glb_rcv_n_folds, trainControl.repeats = glb_rcv_n_repeats,
trainControl.classProbs = glb_is_classification,
trainControl.summaryFunction = glbMdlMetricSummaryFn,
trainControl.blockParallel = glbMdlSequential,
train.metric = glbMdlMetricSummary,
train.maximize = glbMdlMetricMaximize,
train.method = "glmnet")),
indepVar = indepVars,
rsp_var = glb_rsp_var,
fit_df = glbObsFit, OOB_df = glbObsOOB)
}## Warning in grepl(paste(names(glbFeatsDateTime), "\\.day\\.minutes\\.poly\
## \.", : argument 'pattern' has length > 1 and only the first element will be
## usedif ((length(glbFeatsDateTime) > 0) &&
(sum(grepl(paste(names(glbFeatsDateTime), "\\.last[[:digit:]]", sep = ""),
names(glbObsAll))) > 0)) {
fit.models_0_chunk_df <- myadd_chunk(fit.models_0_chunk_df,
paste0("fit.models_0_", "Max.cor.Y.Time.Lag"), major.inc = FALSE,
label.minor = "glmnet")
indepVars <- c(max_cor_y_x_vars,
grep(paste(names(glbFeatsDateTime), "\\.last[[:digit:]]", sep = ""),
names(glbObsAll), value = TRUE))
indepVars <- myadjustInteractionFeats(glb_feats_df, indepVars)
ret_lst <- myfit_mdl(mdl_specs_lst = myinit_mdl_specs_lst(mdl_specs_lst = list(
id.prefix = "Max.cor.Y.Time.Lag",
type = glb_model_type,
tune.df = glbMdlTuneParams,
trainControl.method = "repeatedcv",
trainControl.number = glb_rcv_n_folds, trainControl.repeats = glb_rcv_n_repeats,
trainControl.classProbs = glb_is_classification,
trainControl.summaryFunction = glbMdlMetricSummaryFn,
trainControl.blockParallel = glbMdlSequential,
train.metric = glbMdlMetricSummary,
train.maximize = glbMdlMetricMaximize,
train.method = "glmnet")),
indepVar = indepVars,
rsp_var = glb_rsp_var,
fit_df = glbObsFit, OOB_df = glbObsOOB)
}## Warning in grepl(paste(names(glbFeatsDateTime), "\\.last[[:digit:]]", sep =
## ""), : argument 'pattern' has length > 1 and only the first element will be
## used## label step_major step_minor label_minor bgn
## 4 fit.models_0_Max.cor.Y.rcv.*X* 1 3 glmnet 22.890
## 5 fit.models_0_Max.cor.Y.Time.Lag 1 4 glmnet 35.937
## end elapsed
## 4 35.936 13.047
## 5 NA NA## Warning in grep(paste(names(glbFeatsDateTime), "\\.last[[:digit:]]", sep =
## ""), : argument 'pattern' has length > 1 and only the first element will be
## used## [1] "myfit_mdl: enter: 0.001000 secs"
## [1] "myfit_mdl: fitting model: Max.cor.Y.Time.Lag##rcv#glmnet"
## [1] " indepVar: Response.fctr,Datereceived.last8.log1p,Datereceived.last2.log1p,Datereceived.last4.log1p,Datereceived.last8.log1p,Datereceived.last16.log1p,Datereceived.last32.log1p"
## [1] "myfit_mdl: setup complete: 0.644000 secs"
## Aggregating results
## Selecting tuning parameters
## Fitting alpha = 0.1, lambda = 0.041 on full training set
## [1] "myfit_mdl: train complete: 3.347000 secs"## Warning in myfit_mdl(mdl_specs_lst = myinit_mdl_specs_lst(mdl_specs_lst
## = list(id.prefix = "Max.cor.Y.Time.Lag", : model's bestTune found at an
## extreme of tuneGrid for parameter: alpha## Warning in myfit_mdl(mdl_specs_lst = myinit_mdl_specs_lst(mdl_specs_lst
## = list(id.prefix = "Max.cor.Y.Time.Lag", : model's bestTune found at an
## extreme of tuneGrid for parameter: lambda
## Length Class Mode
## a0 66 -none- numeric
## beta 660 dgCMatrix S4
## df 66 -none- numeric
## dim 2 -none- numeric
## lambda 66 -none- numeric
## dev.ratio 66 -none- numeric
## nulldev 1 -none- numeric
## npasses 1 -none- numeric
## jerr 1 -none- numeric
## offset 1 -none- logical
## classnames 2 -none- character
## call 5 -none- call
## nobs 1 -none- numeric
## lambdaOpt 1 -none- numeric
## xNames 10 -none- character
## problemType 1 -none- character
## tuneValue 2 data.frame list
## obsLevels 2 -none- character
## [1] "min lambda > lambdaOpt:"
## (Intercept)
## -1.792495184
## Datereceived.last16.log1p
## 0.023792062
## Datereceived.last2.log1p
## 0.024896229
## Datereceived.last32.log1p
## 0.008381413
## Datereceived.last4.log1p
## 0.013468106
## Datereceived.last8.log1p
## 0.037402624
## Response.fctrClosed
## -0.232705533
## Response.fctrClosedwithmonetaryrelief
## -0.711434710
## Response.fctrClosedwithnon-monetaryrelief
## -0.752658065
## [1] "max lambda < lambdaOpt:"
## (Intercept)
## -1.791309667
## Datereceived.last16.log1p
## 0.024035826
## Datereceived.last2.log1p
## 0.025345467
## Datereceived.last32.log1p
## 0.007895129
## Datereceived.last4.log1p
## 0.013132583
## Datereceived.last8.log1p
## 0.038278671
## Response.fctrClosed
## -0.258047309
## Response.fctrClosedwithmonetaryrelief
## -0.731214082
## Response.fctrClosedwithnon-monetaryrelief
## -0.778469036
## [1] "myfit_mdl: train diagnostics complete: 3.701000 secs"
## Prediction
## Reference N Y
## N 553 438
## Y 85 267
## Accuracy Kappa AccuracyLower AccuracyUpper AccuracyNull
## 6.105733e-01 2.392056e-01 5.839031e-01 6.367585e-01 7.379002e-01
## AccuracyPValue McnemarPValue
## 1.000000e+00 1.855462e-53
## Prediction
## Reference N Y
## N 906 535
## Y 28 57
## Accuracy Kappa AccuracyLower AccuracyUpper AccuracyNull
## 6.310616e-01 7.863484e-02 6.062908e-01 6.553268e-01 9.442988e-01
## AccuracyPValue McnemarPValue
## 1.000000e+00 6.604717e-101
## [1] "myfit_mdl: predict complete: 9.098000 secs"
## id
## 1 Max.cor.Y.Time.Lag##rcv#glmnet
## feats
## 1 Response.fctr,Datereceived.last8.log1p,Datereceived.last2.log1p,Datereceived.last4.log1p,Datereceived.last8.log1p,Datereceived.last16.log1p,Datereceived.last32.log1p
## max.nTuningRuns min.elapsedtime.everything min.elapsedtime.final
## 1 20 2.699 0.028
## max.AUCpROC.fit max.Sens.fit max.Spec.fit max.AUCROCR.fit
## 1 0.5 1 0 0.6963782
## opt.prob.threshold.fit max.f.score.fit max.Accuracy.fit
## 1 0.25 0.5052034 0.7379029
## max.AccuracyLower.fit max.AccuracyUpper.fit max.Kappa.fit
## 1 0.5839031 0.6367585 0
## min.log.loss.mean.fit max.AUCpROC.OOB max.Sens.OOB max.Spec.OOB
## 1 0.5256363 0.5 1 0
## max.AUCROCR.OOB opt.prob.threshold.OOB max.f.score.OOB max.Accuracy.OOB
## 1 0.6912112 0.3 0.16839 0.6310616
## max.AccuracyLower.OOB max.AccuracyUpper.OOB max.Kappa.OOB
## 1 0.6062908 0.6553268 0.07863484
## min.log.loss.mean.OOB max.AccuracySD.fit max.KappaSD.fit
## 1 0.3386712 0.001826253 0
## [1] "myfit_mdl: exit: 9.144000 secs"if (length(glbFeatsText) > 0) {
fit.models_0_chunk_df <- myadd_chunk(fit.models_0_chunk_df,
paste0("fit.models_0_", "Txt.*"), major.inc = FALSE,
label.minor = "glmnet")
indepVars <- c(max_cor_y_x_vars)
for (txtFeat in names(glbFeatsText))
indepVars <- union(indepVars,
grep(paste(str_to_upper(substr(txtFeat, 1, 1)), "\\.(?!([T|P]\\.))", sep = ""),
names(glbObsAll), perl = TRUE, value = TRUE))
indepVars <- myadjustInteractionFeats(glb_feats_df, indepVars)
ret_lst <- myfit_mdl(mdl_specs_lst = myinit_mdl_specs_lst(mdl_specs_lst = list(
id.prefix = "Max.cor.Y.Text.nonTP",
type = glb_model_type,
tune.df = glbMdlTuneParams,
trainControl.method = "repeatedcv",
trainControl.number = glb_rcv_n_folds, trainControl.repeats = glb_rcv_n_repeats,
trainControl.classProbs = glb_is_classification,
trainControl.summaryFunction = glbMdlMetricSummaryFn,
trainControl.blockParallel = glbMdlSequential,
train.metric = glbMdlMetricSummary,
train.maximize = glbMdlMetricMaximize,
train.method = "glmnet")),
indepVar = indepVars,
rsp_var = glb_rsp_var,
fit_df = glbObsFit, OOB_df = glbObsOOB)
indepVars <- c(max_cor_y_x_vars)
for (txtFeat in names(glbFeatsText))
indepVars <- union(indepVars,
grep(paste(str_to_upper(substr(txtFeat, 1, 1)), "\\.T\\.", sep = ""),
names(glbObsAll), perl = TRUE, value = TRUE))
indepVars <- myadjustInteractionFeats(glb_feats_df, indepVars)
ret_lst <- myfit_mdl(mdl_specs_lst = myinit_mdl_specs_lst(mdl_specs_lst = list(
id.prefix = "Max.cor.Y.Text.onlyT",
type = glb_model_type,
tune.df = glbMdlTuneParams,
trainControl.method = "repeatedcv",
trainControl.number = glb_rcv_n_folds, trainControl.repeats = glb_rcv_n_repeats,
trainControl.classProbs = glb_is_classification,
trainControl.summaryFunction = glbMdlMetricSummaryFn,
train.metric = glbMdlMetricSummary,
train.maximize = glbMdlMetricMaximize,
train.method = "glmnet")),
indepVar = indepVars,
rsp_var = glb_rsp_var,
fit_df = glbObsFit, OOB_df = glbObsOOB)
indepVars <- c(max_cor_y_x_vars)
for (txtFeat in names(glbFeatsText))
indepVars <- union(indepVars,
grep(paste(str_to_upper(substr(txtFeat, 1, 1)), "\\.P\\.", sep = ""),
names(glbObsAll), perl = TRUE, value = TRUE))
indepVars <- myadjustInteractionFeats(glb_feats_df, indepVars)
ret_lst <- myfit_mdl(mdl_specs_lst = myinit_mdl_specs_lst(mdl_specs_lst = list(
id.prefix = "Max.cor.Y.Text.onlyP",
type = glb_model_type,
tune.df = glbMdlTuneParams,
trainControl.method = "repeatedcv",
trainControl.number = glb_rcv_n_folds, trainControl.repeats = glb_rcv_n_repeats,
trainControl.classProbs = glb_is_classification,
trainControl.summaryFunction = glbMdlMetricSummaryFn,
trainControl.blockParallel = glbMdlSequential,
train.metric = glbMdlMetricSummary,
train.maximize = glbMdlMetricMaximize,
train.method = "glmnet")),
indepVar = indepVars,
rsp_var = glb_rsp_var,
fit_df = glbObsFit, OOB_df = glbObsOOB)
}
# # Interactions.High.cor.Y - Failing for CFPB
# if (length(int_feats <- setdiff(setdiff(unique(glb_feats_df$cor.high.X), NA),
# subset(glb_feats_df, nzv)$id)) > 0) {
# fit.models_0_chunk_df <- myadd_chunk(fit.models_0_chunk_df,
# paste0("fit.models_0_", "Interact.High.cor.Y"), major.inc = FALSE,
# label.minor = "glmnet")
#
# ret_lst <- myfit_mdl(mdl_specs_lst=myinit_mdl_specs_lst(mdl_specs_lst=list(
# id.prefix="Interact.High.cor.Y",
# type=glb_model_type, trainControl.method="repeatedcv",
# trainControl.number=glb_rcv_n_folds, trainControl.repeats=glb_rcv_n_repeats,
# trainControl.classProbs = glb_is_classification,
# trainControl.summaryFunction = glbMdlMetricSummaryFn,
# trainControl.blockParallel = glbMdlSequential,
# train.metric = glbMdlMetricSummary,
# train.maximize = glbMdlMetricMaximize,
# train.method="glmnet")),
# indepVar=c(max_cor_y_x_vars, paste(max_cor_y_x_vars[1], int_feats, sep=":")),
# rsp_var=glb_rsp_var,
# fit_df=glbObsFit, OOB_df=glbObsOOB)
# }
# Low.cor.X
fit.models_0_chunk_df <- myadd_chunk(fit.models_0_chunk_df,
paste0("fit.models_0_", "Low.cor.X"), major.inc = FALSE,
label.minor = "glmnet")## label step_major step_minor label_minor bgn
## 5 fit.models_0_Max.cor.Y.Time.Lag 1 4 glmnet 35.937
## 6 fit.models_0_Low.cor.X 1 5 glmnet 45.108
## end elapsed
## 5 45.108 9.171
## 6 NA NAindepVar <- mygetIndepVar(glb_feats_df)
indepVar <- setdiff(indepVar, unique(glb_feats_df$cor.high.X))
ret_lst <- myfit_mdl(mdl_specs_lst = myinit_mdl_specs_lst(mdl_specs_lst = list(
id.prefix = "Low.cor.X",
type = glb_model_type,
tune.df = glbMdlTuneParams,
trainControl.method = "repeatedcv",
trainControl.number = glb_rcv_n_folds, trainControl.repeats = glb_rcv_n_repeats,
trainControl.classProbs = glb_is_classification,
trainControl.summaryFunction = glbMdlMetricSummaryFn,
trainControl.blockParallel = glbMdlSequential,
train.metric = glbMdlMetricSummary,
train.maximize = glbMdlMetricMaximize,
train.method = "glmnet")),
indepVar = indepVar, rsp_var = glb_rsp_var,
fit_df = glbObsFit, OOB_df = glbObsOOB)## [1] "myfit_mdl: enter: 0.001000 secs"
## [1] "myfit_mdl: fitting model: Low.cor.X##rcv#glmnet"
## [1] " indepVar: Datesenttocompany.last8.log1p,Datesenttocompany.last4.log1p,Datesenttocompany.last2.log1p,Datesenttocompany.last16.log1p,Datesenttocompany.last32.log1p,gCompany.fctr,gTags.fctr,Sent.Recd.Dys.nexp,Rgn.Dvn.fctr,Datesenttocompany.year.fctr,Datereceived.wkday.fctr,Datesenttocompany.wkday.fctr,gCConsent.fctr,.rnorm,Datesenttocompany.wkend,Channel.fctr,gSPrd.fctr,Datesenttocompany.month.fctr,Datesenttocompany.juliandate,Datesenttocompany.date.fctr,Sent.Recd.Dys,Sent.Recd.Dys.root2,Response.fctr,gSPrd.fctr:.clusterid.fctr"
## [1] "myfit_mdl: setup complete: 0.823000 secs"
## Aggregating results
## Selecting tuning parameters
## Fitting alpha = 0.1, lambda = 0.041 on full training set
## [1] "myfit_mdl: train complete: 8.880000 secs"## Warning in myfit_mdl(mdl_specs_lst = myinit_mdl_specs_lst(mdl_specs_lst
## = list(id.prefix = "Low.cor.X", : model's bestTune found at an extreme of
## tuneGrid for parameter: alpha## Warning in myfit_mdl(mdl_specs_lst = myinit_mdl_specs_lst(mdl_specs_lst
## = list(id.prefix = "Low.cor.X", : model's bestTune found at an extreme of
## tuneGrid for parameter: lambda
## Length Class Mode
## a0 85 -none- numeric
## beta 21675 dgCMatrix S4
## df 85 -none- numeric
## dim 2 -none- numeric
## lambda 85 -none- numeric
## dev.ratio 85 -none- numeric
## nulldev 1 -none- numeric
## npasses 1 -none- numeric
## jerr 1 -none- numeric
## offset 1 -none- logical
## classnames 2 -none- character
## call 5 -none- call
## nobs 1 -none- numeric
## lambdaOpt 1 -none- numeric
## xNames 255 -none- character
## problemType 1 -none- character
## tuneValue 2 data.frame list
## obsLevels 2 -none- character
## [1] "min lambda > lambdaOpt:"
## (Intercept)
## -1.307856067
## Channel.fctrFax
## -1.141830702
## Channel.fctrPhone
## -0.430508796
## Channel.fctrPostalmail
## -0.123538072
## Channel.fctrReferral
## -0.345476855
## Datereceived.wkday.fctr1
## 0.042325090
## Datereceived.wkday.fctr4
## 0.040478536
## Datereceived.wkday.fctr5
## 0.038522133
## Datesenttocompany.date.fctr(7,13]
## 0.025090996
## Datesenttocompany.date.fctr(25,31]
## -0.007735493
## Datesenttocompany.last16.log1p
## 0.009394693
## Datesenttocompany.last2.log1p
## 0.030234257
## Datesenttocompany.last4.log1p
## 0.009098532
## Datesenttocompany.last8.log1p
## 0.023173352
## Datesenttocompany.month.fctr03
## -0.230812198
## Datesenttocompany.month.fctr04
## 0.008265995
## Datesenttocompany.month.fctr05
## 0.199237242
## Datesenttocompany.month.fctr06
## -0.521678538
## Datesenttocompany.month.fctr07
## 0.337694729
## Datesenttocompany.month.fctr08
## 0.111623743
## Datesenttocompany.month.fctr09
## 0.187552281
## Datesenttocompany.month.fctr10
## -0.068183420
## Datesenttocompany.month.fctr11
## -0.218999142
## Datesenttocompany.month.fctr12
## 0.079673391
## Datesenttocompany.wkday.fctr1
## 0.042262567
## Datesenttocompany.wkday.fctr4
## 0.040394125
## Datesenttocompany.wkday.fctr5
## 0.038534131
## Datesenttocompany.wkend
## -0.347569878
## Datesenttocompany.year.fctr2016
## 0.208931891
## Response.fctrClosed
## -0.010000253
## Response.fctrClosedwithmonetaryrelief
## -0.741864763
## Response.fctrClosedwithnon-monetaryrelief
## -0.694130652
## Rgn.Dvn.fctrMW#EastNorthCentral
## -0.198372383
## Rgn.Dvn.fctrMW#WestNorthCentral
## -0.197166683
## Rgn.Dvn.fctrOT#Other
## -0.044210515
## Rgn.Dvn.fctrSH#EastSouthCentral
## -0.235075717
## Rgn.Dvn.fctrWT#Mountain
## 0.093133210
## Rgn.Dvn.fctrWT#Pacific
## 0.164348055
## Sent.Recd.Dys
## -0.004123134
## Sent.Recd.Dys.nexp
## 0.031038508
## Sent.Recd.Dys.root2
## -0.045669552
## gCConsent.fctrConsentprovided
## -0.005760487
## gCConsent.fctrOther
## 0.210553711
## gCompany.fctrAmex
## 0.548757665
## gCompany.fctrBlackhawkNetworkHoldingsInc.
## 0.193472174
## gCompany.fctrCitibank
## 0.115922031
## gCompany.fctrComerica
## 0.013831917
## gCompany.fctrNetSpendCorporation,aTSYSCompany
## -0.469206733
## gCompany.fctrU.S.Bancorp
## -0.008530408
## gSPrd.fctrMobilewallet
## 0.149179277
## gSPrd.fctrGiftormerchantcard
## 0.147473986
## gSPrd.fctrPayrollcard
## -0.295505927
## gTags.fctrOlderAmerican
## 0.235397492
## gTags.fctrServicemember
## 0.476545215
## gSPrd.fctrOther:.clusterid.fctr2
## 0.446816309
## gSPrd.fctrPayrollcard:.clusterid.fctr2
## 0.037433462
## gSPrd.fctrIDprepaidcard:.clusterid.fctr2
## -0.166417249
## gSPrd.fctrMobilewallet:.clusterid.fctr3
## 0.564704739
## gSPrd.fctrGiftormerchantcard:.clusterid.fctr3
## 0.179531260
## gSPrd.fctrGeneralpurposecard:.clusterid.fctr3
## -0.178155970
## gSPrd.fctrOther:.clusterid.fctr4
## -0.446409693
## [1] "max lambda < lambdaOpt:"
## (Intercept)
## -1.311243125
## Channel.fctrFax
## -1.228951787
## Channel.fctrPhone
## -0.455072961
## Channel.fctrPostalmail
## -0.147725376
## Channel.fctrReferral
## -0.371384394
## Datereceived.wkday.fctr1
## 0.047035109
## Datereceived.wkday.fctr4
## 0.044189329
## Datereceived.wkday.fctr5
## 0.044519243
## Datesenttocompany.date.fctr(7,13]
## 0.028924704
## Datesenttocompany.date.fctr(25,31]
## -0.012472965
## Datesenttocompany.last16.log1p
## 0.009343827
## Datesenttocompany.last2.log1p
## 0.031290110
## Datesenttocompany.last4.log1p
## 0.008721439
## Datesenttocompany.last8.log1p
## 0.023471247
## Datesenttocompany.month.fctr03
## -0.242321062
## Datesenttocompany.month.fctr04
## 0.018194161
## Datesenttocompany.month.fctr05
## 0.208397332
## Datesenttocompany.month.fctr06
## -0.538624012
## Datesenttocompany.month.fctr07
## 0.349895071
## Datesenttocompany.month.fctr08
## 0.122028575
## Datesenttocompany.month.fctr09
## 0.196628445
## Datesenttocompany.month.fctr10
## -0.057725826
## Datesenttocompany.month.fctr11
## -0.223812406
## Datesenttocompany.month.fctr12
## 0.089935456
## Datesenttocompany.wkday.fctr1
## 0.046968564
## Datesenttocompany.wkday.fctr4
## 0.044103485
## Datesenttocompany.wkday.fctr5
## 0.044473402
## Datesenttocompany.wkend
## -0.362015627
## Datesenttocompany.year.fctr2016
## 0.216480985
## Response.fctrClosed
## -0.027230038
## Response.fctrClosedwithmonetaryrelief
## -0.766253555
## Response.fctrClosedwithnon-monetaryrelief
## -0.720732077
## Rgn.Dvn.fctrMW#EastNorthCentral
## -0.206542272
## Rgn.Dvn.fctrMW#WestNorthCentral
## -0.209617798
## Rgn.Dvn.fctrOT#Other
## -0.055535582
## Rgn.Dvn.fctrSH#EastSouthCentral
## -0.248630226
## Rgn.Dvn.fctrWT#Mountain
## 0.099924343
## Rgn.Dvn.fctrWT#Pacific
## 0.166499531
## Sent.Recd.Dys
## -0.004192611
## Sent.Recd.Dys.nexp
## 0.034911787
## Sent.Recd.Dys.root2
## -0.045110552
## gCConsent.fctrConsentprovided
## -0.015652874
## gCConsent.fctrOther
## 0.215344343
## gCompany.fctrAmex
## 0.559369219
## gCompany.fctrBlackhawkNetworkHoldingsInc.
## 0.203089961
## gCompany.fctrCitibank
## 0.118135213
## gCompany.fctrComerica
## 0.023897824
## gCompany.fctrNetSpendCorporation,aTSYSCompany
## -0.486623018
## gCompany.fctrU.S.Bancorp
## -0.016783704
## gSPrd.fctrMobilewallet
## 0.158219714
## gSPrd.fctrGiftormerchantcard
## 0.154964007
## gSPrd.fctrPayrollcard
## -0.309210163
## gTags.fctrOlderAmerican
## 0.247291062
## gTags.fctrServicemember
## 0.495143013
## gSPrd.fctrOther:.clusterid.fctr2
## 0.472450907
## gSPrd.fctrPayrollcard:.clusterid.fctr2
## 0.080679568
## gSPrd.fctrIDprepaidcard:.clusterid.fctr2
## -0.190042694
## gSPrd.fctrMobilewallet:.clusterid.fctr3
## 0.585429572
## gSPrd.fctrGiftormerchantcard:.clusterid.fctr3
## 0.204758621
## gSPrd.fctrGeneralpurposecard:.clusterid.fctr3
## -0.181434425
## gSPrd.fctrOther:.clusterid.fctr4
## -0.494548783
## [1] "myfit_mdl: train diagnostics complete: 9.256000 secs"
## Prediction
## Reference N Y
## N 711 280
## Y 112 240
## Accuracy Kappa AccuracyLower AccuracyUpper AccuracyNull
## 7.081162e-01 3.460304e-01 6.829924e-01 7.323258e-01 7.379002e-01
## AccuracyPValue McnemarPValue
## 9.935847e-01 3.318442e-17
## Prediction
## Reference N Y
## N 1014 427
## Y 29 56
## Accuracy Kappa AccuracyLower AccuracyUpper AccuracyNull
## 7.011796e-01 1.131729e-01 6.775142e-01 7.240682e-01 9.442988e-01
## AccuracyPValue McnemarPValue
## 1.000000e+00 3.784116e-77
## [1] "myfit_mdl: predict complete: 15.429000 secs"
## id
## 1 Low.cor.X##rcv#glmnet
## feats
## 1 Datesenttocompany.last8.log1p,Datesenttocompany.last4.log1p,Datesenttocompany.last2.log1p,Datesenttocompany.last16.log1p,Datesenttocompany.last32.log1p,gCompany.fctr,gTags.fctr,Sent.Recd.Dys.nexp,Rgn.Dvn.fctr,Datesenttocompany.year.fctr,Datereceived.wkday.fctr,Datesenttocompany.wkday.fctr,gCConsent.fctr,.rnorm,Datesenttocompany.wkend,Channel.fctr,gSPrd.fctr,Datesenttocompany.month.fctr,Datesenttocompany.juliandate,Datesenttocompany.date.fctr,Sent.Recd.Dys,Sent.Recd.Dys.root2,Response.fctr,gSPrd.fctr:.clusterid.fctr
## max.nTuningRuns min.elapsedtime.everything min.elapsedtime.final
## 1 25 8.038 0.213
## max.AUCpROC.fit max.Sens.fit max.Spec.fit max.AUCROCR.fit
## 1 0.5841637 0.9808274 0.1875 0.775981
## opt.prob.threshold.fit max.f.score.fit max.Accuracy.fit
## 1 0.3 0.5504587 0.7547889
## max.AccuracyLower.fit max.AccuracyUpper.fit max.Kappa.fit
## 1 0.6829924 0.7323258 0.1719669
## min.log.loss.mean.fit max.AUCpROC.OOB max.Sens.OOB max.Spec.OOB
## 1 0.4810471 0.5926644 0.9500347 0.2352941
## max.AUCROCR.OOB opt.prob.threshold.OOB max.f.score.OOB max.Accuracy.OOB
## 1 0.7259379 0.3 0.1971831 0.7011796
## max.AccuracyLower.OOB max.AccuracyUpper.OOB max.Kappa.OOB
## 1 0.6775142 0.7240682 0.1131729
## min.log.loss.mean.OOB max.AccuracySD.fit max.KappaSD.fit
## 1 0.3326883 0.01556642 0.05490569
## [1] "myfit_mdl: exit: 15.524000 secs"fit.models_0_chunk_df <-
myadd_chunk(fit.models_0_chunk_df, "fit.models_0_end", major.inc = FALSE,
label.minor = "teardown")## label step_major step_minor label_minor bgn end
## 6 fit.models_0_Low.cor.X 1 5 glmnet 45.108 60.67
## 7 fit.models_0_end 1 6 teardown 60.671 NA
## elapsed
## 6 15.562
## 7 NArm(ret_lst)
glb_chunks_df <- myadd_chunk(glb_chunks_df, "fit.models", major.inc = FALSE)## label step_major step_minor label_minor bgn end elapsed
## 2 fit.models 2 0 0 9.955 60.686 50.732
## 3 fit.models 2 1 1 60.687 NA NAif (!is.null(glbChunks$first) && (glbChunks$first == "fit.models_1") &&
(is.null(knitr::opts_current$get(name = 'label')))) # not knitting
myloadChunk(glbChunks$inpFilePathName, keepSpec = c(NULL), dropSpec = c(NULL))## label step_major step_minor label_minor bgn end elapsed
## 1 fit.models_1_bgn 1 0 setup 63.563 NA NA## label step_major step_minor label_minor bgn end
## 1 fit.models_1_bgn 1 0 setup 63.563 63.571
## 2 fit.models_1_All.X 1 1 setup 63.572 NA
## elapsed
## 1 0.008
## 2 NA
## label step_major step_minor label_minor bgn end
## 2 fit.models_1_All.X 1 1 setup 63.572 63.576
## 3 fit.models_1_All.X 1 2 gbm 63.577 NA
## elapsed
## 2 0.004
## 3 NA
## [1] "myfit_mdl: enter: 0.000000 secs"
## [1] "myfit_mdl: fitting model: All.X##rcv#gbm"
## [1] " indepVar: Datereceived.last8.log1p,Datesenttocompany.last8.log1p,Datereceived.last4.log1p,Datesenttocompany.last4.log1p,Datereceived.last2.log1p,Datesenttocompany.last2.log1p,Datereceived.last16.log1p,Datesenttocompany.last16.log1p,Datereceived.last32.log1p,Datesenttocompany.last32.log1p,gCompany.fctr,gTags.fctr,Sent.Recd.Dys.nexp,Rgn.Dvn.fctr,Datereceived.year.fctr,Datesenttocompany.year.fctr,Datereceived.wkday.fctr,Datesenttocompany.wkday.fctr,gCConsent.fctr,.rnorm,Datereceived.wkend,Datesenttocompany.wkend,Channel.fctr,gSPrd.fctr,.clusterid,Datereceived.month.fctr,Datesenttocompany.month.fctr,Datereceived.juliandate,Datesenttocompany.juliandate,Datereceived.date.fctr,Datesenttocompany.date.fctr,Sent.Recd.Dys,Sent.Recd.Dys.root2,Sent.Recd.Dys.log1p,Response.fctr,gSPrd.fctr:.clusterid.fctr"
## [1] "myfit_mdl: setup complete: 0.615000 secs"## Loading required package: gbm## Loading required package: survival##
## Attaching package: 'survival'## The following object is masked from 'package:caret':
##
## cluster## Loading required package: splines## Loaded gbm 2.1.1## Aggregating results
## Selecting tuning parameters
## Fitting n.trees = 50, interaction.depth = 4, shrinkage = 0.1, n.minobsinnode = 10 on full training set## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 70: Response.fctrInprogress has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 71: Response.fctrUntimelyresponse has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 96: gSPrd.fctrVehicleloan has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 97: gSPrd.fctrCheckingaccount has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 98: gSPrd.fctrConventionalfixedmortgage has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 99: gSPrd.fctrOther(i.e.phone,healthclub,etc.) has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 100: gSPrd.fctrIdonotknow has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 101: gSPrd.fctr has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 102: gSPrd.fctrOthermortgage has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 103: gSPrd.fctrCreditcard has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1,
## 1, : variable 104: gSPrd.fctrConventionaladjustablemortgage(ARM) has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 105: gSPrd.fctrOtherbankproduct/service has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 106: gSPrd.fctrNon-federalstudentloan has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 107: gSPrd.fctrFHAmortgage has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 108: gSPrd.fctr(CD)Certificateofdeposit has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 109: gSPrd.fctrHomeequityloanorlineofcredit has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 110: gSPrd.fctrVehiclelease has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 111: gSPrd.fctrSavingsaccount has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 112: gSPrd.fctrFederalstudentloan has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 113: gSPrd.fctrMortgage has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 114: gSPrd.fctrReversemortgage has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 115: gSPrd.fctrAuto has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 116: gSPrd.fctrInstallmentloan has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 117: gSPrd.fctrMedical has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 118: gSPrd.fctrVAmortgage has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 119: gSPrd.fctrDomestic(US)moneytransfer has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 120: gSPrd.fctrInternationalmoneytransfer has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 121: gSPrd.fctrPersonallineofcredit has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 122: gSPrd.fctrSecondmortgage has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 123: gSPrd.fctrCashingacheckwithoutanaccount has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 124: gSPrd.fctrPaydayloan has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 125: gSPrd.fctrCheckcashing has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 130: gSPrd.fctrTitleloan has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 131: gSPrd.fctrForeigncurrencyexchange has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 132: gSPrd.fctrRefundanticipationcheck has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 133: gSPrd.fctrDebtsettlement has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 136: gSPrd.fctrCreditrepair has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 137: gSPrd.fctrPawnloan has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 138: gSPrd.fctrMoneyorder has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 139: gSPrd.fctrTraveler<U+2019>s/Cashier<U+2019>schecks has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 140: gSPrd.fctrFederalstudentloanservicing has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 145: gSPrd.fctrVehicleloan:.clusterid.fctr2 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 146: gSPrd.fctrCheckingaccount:.clusterid.fctr2 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 147: gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr2 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 148: gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr2
## has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 149: gSPrd.fctrIdonotknow:.clusterid.fctr2 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 150: gSPrd.fctr:.clusterid.fctr2 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 151: gSPrd.fctrOthermortgage:.clusterid.fctr2 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 152: gSPrd.fctrCreditcard:.clusterid.fctr2 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1,
## 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, : variable 153:
## gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr2 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 154: gSPrd.fctrOtherbankproduct/service:.clusterid.fctr2 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1,
## 1, : variable 155: gSPrd.fctrNon-federalstudentloan:.clusterid.fctr2 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 156: gSPrd.fctrFHAmortgage:.clusterid.fctr2 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 157: gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr2 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 158: gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr2 has
## no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 159: gSPrd.fctrVehiclelease:.clusterid.fctr2 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 160: gSPrd.fctrSavingsaccount:.clusterid.fctr2 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1,
## 1, : variable 161: gSPrd.fctrFederalstudentloan:.clusterid.fctr2 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 162: gSPrd.fctrMortgage:.clusterid.fctr2 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 163: gSPrd.fctrReversemortgage:.clusterid.fctr2 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 164: gSPrd.fctrAuto:.clusterid.fctr2 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 165: gSPrd.fctrInstallmentloan:.clusterid.fctr2 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 166: gSPrd.fctrMedical:.clusterid.fctr2 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 167: gSPrd.fctrVAmortgage:.clusterid.fctr2 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 168: gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr2 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 169: gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr2 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1,
## 1, : variable 170: gSPrd.fctrPersonallineofcredit:.clusterid.fctr2 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 171: gSPrd.fctrSecondmortgage:.clusterid.fctr2 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 172: gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr2 has
## no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 173: gSPrd.fctrPaydayloan:.clusterid.fctr2 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 174: gSPrd.fctrCheckcashing:.clusterid.fctr2 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 179: gSPrd.fctrTitleloan:.clusterid.fctr2 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 180: gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr2 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 181: gSPrd.fctrRefundanticipationcheck:.clusterid.fctr2 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 182: gSPrd.fctrDebtsettlement:.clusterid.fctr2 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 185: gSPrd.fctrCreditrepair:.clusterid.fctr2 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 186: gSPrd.fctrPawnloan:.clusterid.fctr2 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 187: gSPrd.fctrMoneyorder:.clusterid.fctr2 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 188: gSPrd.fctrTraveler<U+2019>s/Cashier<U+2019>schecks:.clusterid.fctr2 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 189: gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr2 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 191: gSPrd.fctrVehicleloan:.clusterid.fctr3 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 192: gSPrd.fctrCheckingaccount:.clusterid.fctr3 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 193: gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr3 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 194: gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr3
## has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 195: gSPrd.fctrIdonotknow:.clusterid.fctr3 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 196: gSPrd.fctr:.clusterid.fctr3 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 197: gSPrd.fctrOthermortgage:.clusterid.fctr3 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 198: gSPrd.fctrCreditcard:.clusterid.fctr3 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1,
## 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, : variable 199:
## gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr3 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 200: gSPrd.fctrOtherbankproduct/service:.clusterid.fctr3 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1,
## 1, : variable 201: gSPrd.fctrNon-federalstudentloan:.clusterid.fctr3 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 202: gSPrd.fctrFHAmortgage:.clusterid.fctr3 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 203: gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr3 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 204: gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr3 has
## no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 205: gSPrd.fctrVehiclelease:.clusterid.fctr3 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 206: gSPrd.fctrSavingsaccount:.clusterid.fctr3 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1,
## 1, : variable 207: gSPrd.fctrFederalstudentloan:.clusterid.fctr3 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 208: gSPrd.fctrMortgage:.clusterid.fctr3 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 209: gSPrd.fctrReversemortgage:.clusterid.fctr3 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 210: gSPrd.fctrAuto:.clusterid.fctr3 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 211: gSPrd.fctrInstallmentloan:.clusterid.fctr3 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 212: gSPrd.fctrMedical:.clusterid.fctr3 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 213: gSPrd.fctrVAmortgage:.clusterid.fctr3 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 214: gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr3 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 215: gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr3 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1,
## 1, : variable 216: gSPrd.fctrPersonallineofcredit:.clusterid.fctr3 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 217: gSPrd.fctrSecondmortgage:.clusterid.fctr3 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 218: gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr3 has
## no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 219: gSPrd.fctrPaydayloan:.clusterid.fctr3 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 220: gSPrd.fctrCheckcashing:.clusterid.fctr3 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 222: gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr3 has
## no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 225: gSPrd.fctrTitleloan:.clusterid.fctr3 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 226: gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr3 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 227: gSPrd.fctrRefundanticipationcheck:.clusterid.fctr3 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 228: gSPrd.fctrDebtsettlement:.clusterid.fctr3 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 229: gSPrd.fctrPayrollcard:.clusterid.fctr3 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 231: gSPrd.fctrCreditrepair:.clusterid.fctr3 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 232: gSPrd.fctrPawnloan:.clusterid.fctr3 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 233: gSPrd.fctrMoneyorder:.clusterid.fctr3 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 234: gSPrd.fctrTraveler<U+2019>s/Cashier<U+2019>schecks:.clusterid.fctr3 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 235: gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr3 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 237: gSPrd.fctrVehicleloan:.clusterid.fctr4 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 238: gSPrd.fctrCheckingaccount:.clusterid.fctr4 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 239: gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr4 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 240: gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr4
## has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 241: gSPrd.fctrIdonotknow:.clusterid.fctr4 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 242: gSPrd.fctr:.clusterid.fctr4 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 243: gSPrd.fctrOthermortgage:.clusterid.fctr4 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 244: gSPrd.fctrCreditcard:.clusterid.fctr4 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1,
## 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, : variable 245:
## gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr4 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 246: gSPrd.fctrOtherbankproduct/service:.clusterid.fctr4 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1,
## 1, : variable 247: gSPrd.fctrNon-federalstudentloan:.clusterid.fctr4 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 248: gSPrd.fctrFHAmortgage:.clusterid.fctr4 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 249: gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr4 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 250: gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr4 has
## no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 251: gSPrd.fctrVehiclelease:.clusterid.fctr4 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 252: gSPrd.fctrSavingsaccount:.clusterid.fctr4 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1,
## 1, : variable 253: gSPrd.fctrFederalstudentloan:.clusterid.fctr4 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 254: gSPrd.fctrMortgage:.clusterid.fctr4 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 255: gSPrd.fctrReversemortgage:.clusterid.fctr4 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 256: gSPrd.fctrAuto:.clusterid.fctr4 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 257: gSPrd.fctrInstallmentloan:.clusterid.fctr4 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 258: gSPrd.fctrMedical:.clusterid.fctr4 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 259: gSPrd.fctrVAmortgage:.clusterid.fctr4 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 260: gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr4 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 261: gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr4 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1,
## 1, : variable 262: gSPrd.fctrPersonallineofcredit:.clusterid.fctr4 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 263: gSPrd.fctrSecondmortgage:.clusterid.fctr4 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 264: gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr4 has
## no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 265: gSPrd.fctrPaydayloan:.clusterid.fctr4 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 266: gSPrd.fctrCheckcashing:.clusterid.fctr4 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 267: gSPrd.fctrMobilewallet:.clusterid.fctr4 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 268: gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr4 has
## no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1,
## 1, : variable 269: gSPrd.fctrGiftormerchantcard:.clusterid.fctr4 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1,
## 1, : variable 270: gSPrd.fctrGeneralpurposecard:.clusterid.fctr4 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 271: gSPrd.fctrTitleloan:.clusterid.fctr4 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 272: gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr4 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 273: gSPrd.fctrRefundanticipationcheck:.clusterid.fctr4 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 274: gSPrd.fctrDebtsettlement:.clusterid.fctr4 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 275: gSPrd.fctrPayrollcard:.clusterid.fctr4 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 276: gSPrd.fctrIDprepaidcard:.clusterid.fctr4 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 277: gSPrd.fctrCreditrepair:.clusterid.fctr4 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 278: gSPrd.fctrPawnloan:.clusterid.fctr4 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 279: gSPrd.fctrMoneyorder:.clusterid.fctr4 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 280: gSPrd.fctrTraveler<U+2019>s/Cashier<U+2019>schecks:.clusterid.fctr4 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 281: gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr4 has no
## variation.## Iter TrainDeviance ValidDeviance StepSize Improve
## 1 1.1345 nan 0.1000 0.0072
## 2 1.1169 nan 0.1000 0.0076
## 3 1.1066 nan 0.1000 0.0022
## 4 1.0921 nan 0.1000 0.0046
## 5 1.0793 nan 0.1000 0.0040
## 6 1.0705 nan 0.1000 0.0012
## 7 1.0592 nan 0.1000 0.0030
## 8 1.0519 nan 0.1000 -0.0005
## 9 1.0443 nan 0.1000 0.0012
## 10 1.0374 nan 0.1000 0.0009
## 20 0.9780 nan 0.1000 -0.0009
## 40 0.9156 nan 0.1000 -0.0008
## 50 0.8929 nan 0.1000 -0.0009
##
## [1] "myfit_mdl: train complete: 88.325000 secs"## Warning in myfit_mdl(mdl_specs_lst = myinit_mdl_specs_lst(mdl_specs_lst
## = list(id.prefix = mdl_id_pfx, : model's bestTune found at an extreme of
## tuneGrid for parameter: n.trees## Warning in myfit_mdl(mdl_specs_lst = myinit_mdl_specs_lst(mdl_specs_lst
## = list(id.prefix = mdl_id_pfx, : model's bestTune found at an extreme of
## tuneGrid for parameter: shrinkage## Warning in myfit_mdl(mdl_specs_lst = myinit_mdl_specs_lst(mdl_specs_lst
## = list(id.prefix = mdl_id_pfx, : model's bestTune found at an extreme of
## tuneGrid for parameter: n.minobsinnode
## var
## Datereceived.juliandate Datereceived.juliandate
## Datereceived.last32.log1p Datereceived.last32.log1p
## .rnorm .rnorm
## Response.fctrClosedwithmonetaryrelief Response.fctrClosedwithmonetaryrelief
## gCompany.fctrAmex gCompany.fctrAmex
## Datereceived.last16.log1p Datereceived.last16.log1p
## Datereceived.last2.log1p Datereceived.last2.log1p
## Datereceived.last4.log1p Datereceived.last4.log1p
## Sent.Recd.Dys Sent.Recd.Dys
## Datereceived.month.fctr07 Datereceived.month.fctr07
## Datereceived.year.fctr2016 Datereceived.year.fctr2016
## Datereceived.last8.log1p Datereceived.last8.log1p
## Sent.Recd.Dys.nexp Sent.Recd.Dys.nexp
## Datereceived.wkend Datereceived.wkend
## Channel.fctrPhone Channel.fctrPhone
## Response.fctrClosedwithnon-monetaryrelief Response.fctrClosedwithnon-monetaryrelief
## gTags.fctrServicemember gTags.fctrServicemember
## gCompany.fctrCitibank gCompany.fctrCitibank
## gCompany.fctrNetSpendCorporation,aTSYSCompany gCompany.fctrNetSpendCorporation,aTSYSCompany
## Rgn.Dvn.fctrWT#Pacific Rgn.Dvn.fctrWT#Pacific
## Datereceived.month.fctr06 Datereceived.month.fctr06
## Datereceived.month.fctr09 Datereceived.month.fctr09
## gSPrd.fctrMobilewallet gSPrd.fctrMobilewallet
## Channel.fctrReferral Channel.fctrReferral
## Datereceived.month.fctr05 Datereceived.month.fctr05
## Rgn.Dvn.fctrMW#EastNorthCentral Rgn.Dvn.fctrMW#EastNorthCentral
## gSPrd.fctrPayrollcard gSPrd.fctrPayrollcard
## gSPrd.fctrOther:.clusterid.fctr2 gSPrd.fctrOther:.clusterid.fctr2
## gSPrd.fctrMobilewallet:.clusterid.fctr3 gSPrd.fctrMobilewallet:.clusterid.fctr3
## gSPrd.fctrGeneralpurposecard:.clusterid.fctr3 gSPrd.fctrGeneralpurposecard:.clusterid.fctr3
## gSPrd.fctrGeneralpurposecard gSPrd.fctrGeneralpurposecard
## gCConsent.fctrConsentprovided gCConsent.fctrConsentprovided
## Datereceived.month.fctr08 Datereceived.month.fctr08
## gCompany.fctrOther gCompany.fctrOther
## Datereceived.year.fctr2015 Datereceived.year.fctr2015
## Rgn.Dvn.fctrMW#WestNorthCentral#MidAtlantic Rgn.Dvn.fctrMW#WestNorthCentral#MidAtlantic
## gCConsent.fctrOther gCConsent.fctrOther
## gSPrd.fctrGiftormerchantcard gSPrd.fctrGiftormerchantcard
## gCompany.fctrComerica gCompany.fctrComerica
## Datereceived.wkday.fctr4 Datereceived.wkday.fctr4
## gSPrd.fctrIDprepaidcard gSPrd.fctrIDprepaidcard
## Datereceived.month.fctr03 Datereceived.month.fctr03
## .clusterid .clusterid
## Channel.fctrFax Channel.fctrFax
## Channel.fctrPostalmail Channel.fctrPostalmail
## Datereceived.date.fctr(7,13] Datereceived.date.fctr(7,13]
## Datereceived.date.fctr(13,19] Datereceived.date.fctr(13,19]
## Datereceived.date.fctr(19,25] Datereceived.date.fctr(19,25]
## Datereceived.date.fctr(25,31] Datereceived.date.fctr(25,31]
## Datereceived.month.fctr02 Datereceived.month.fctr02
## Datereceived.month.fctr04 Datereceived.month.fctr04
## Datereceived.month.fctr10 Datereceived.month.fctr10
## Datereceived.month.fctr11 Datereceived.month.fctr11
## Datereceived.month.fctr12 Datereceived.month.fctr12
## Datereceived.wkday.fctr1 Datereceived.wkday.fctr1
## Datereceived.wkday.fctr2 Datereceived.wkday.fctr2
## Datereceived.wkday.fctr3 Datereceived.wkday.fctr3
## Datereceived.wkday.fctr5 Datereceived.wkday.fctr5
## Datereceived.wkday.fctr6 Datereceived.wkday.fctr6
## Datesenttocompany.date.fctr(7,13] Datesenttocompany.date.fctr(7,13]
## Datesenttocompany.date.fctr(13,19] Datesenttocompany.date.fctr(13,19]
## Datesenttocompany.date.fctr(19,25] Datesenttocompany.date.fctr(19,25]
## Datesenttocompany.date.fctr(25,31] Datesenttocompany.date.fctr(25,31]
## Datesenttocompany.juliandate Datesenttocompany.juliandate
## Datesenttocompany.last16.log1p Datesenttocompany.last16.log1p
## Datesenttocompany.last2.log1p Datesenttocompany.last2.log1p
## Datesenttocompany.last32.log1p Datesenttocompany.last32.log1p
## Datesenttocompany.last4.log1p Datesenttocompany.last4.log1p
## Datesenttocompany.last8.log1p Datesenttocompany.last8.log1p
## Datesenttocompany.month.fctr02 Datesenttocompany.month.fctr02
## Datesenttocompany.month.fctr03 Datesenttocompany.month.fctr03
## Datesenttocompany.month.fctr04 Datesenttocompany.month.fctr04
## Datesenttocompany.month.fctr05 Datesenttocompany.month.fctr05
## Datesenttocompany.month.fctr06 Datesenttocompany.month.fctr06
## Datesenttocompany.month.fctr07 Datesenttocompany.month.fctr07
## Datesenttocompany.month.fctr08 Datesenttocompany.month.fctr08
## Datesenttocompany.month.fctr09 Datesenttocompany.month.fctr09
## Datesenttocompany.month.fctr10 Datesenttocompany.month.fctr10
## Datesenttocompany.month.fctr11 Datesenttocompany.month.fctr11
## Datesenttocompany.month.fctr12 Datesenttocompany.month.fctr12
## Datesenttocompany.wkday.fctr1 Datesenttocompany.wkday.fctr1
## Datesenttocompany.wkday.fctr2 Datesenttocompany.wkday.fctr2
## Datesenttocompany.wkday.fctr3 Datesenttocompany.wkday.fctr3
## Datesenttocompany.wkday.fctr4 Datesenttocompany.wkday.fctr4
## Datesenttocompany.wkday.fctr5 Datesenttocompany.wkday.fctr5
## Datesenttocompany.wkday.fctr6 Datesenttocompany.wkday.fctr6
## Datesenttocompany.wkend Datesenttocompany.wkend
## Datesenttocompany.year.fctr2015 Datesenttocompany.year.fctr2015
## Datesenttocompany.year.fctr2016 Datesenttocompany.year.fctr2016
## Response.fctrClosed Response.fctrClosed
## Response.fctrInprogress Response.fctrInprogress
## Response.fctrUntimelyresponse Response.fctrUntimelyresponse
## Rgn.Dvn.fctrMW#WestNorthCentral Rgn.Dvn.fctrMW#WestNorthCentral
## Rgn.Dvn.fctrMW#WestNorthCentral#NewEngland Rgn.Dvn.fctrMW#WestNorthCentral#NewEngland
## Rgn.Dvn.fctrOT#Other Rgn.Dvn.fctrOT#Other
## Rgn.Dvn.fctrSH#EastSouthCentral Rgn.Dvn.fctrSH#EastSouthCentral
## Rgn.Dvn.fctrSH#WestSouthCentral Rgn.Dvn.fctrSH#WestSouthCentral
## Rgn.Dvn.fctrWT#Mountain Rgn.Dvn.fctrWT#Mountain
## Sent.Recd.Dys.log1p Sent.Recd.Dys.log1p
## Sent.Recd.Dys.root2 Sent.Recd.Dys.root2
## gCConsent.fctrConsentnotprovided gCConsent.fctrConsentnotprovided
## gCompany.fctrBlackhawkNetworkHoldingsInc. gCompany.fctrBlackhawkNetworkHoldingsInc.
## gCompany.fctrPayPalHoldings,Inc. gCompany.fctrPayPalHoldings,Inc.
## gCompany.fctrU.S.Bancorp gCompany.fctrU.S.Bancorp
## gSPrd.fctrVehicleloan gSPrd.fctrVehicleloan
## gSPrd.fctrCheckingaccount gSPrd.fctrCheckingaccount
## gSPrd.fctrConventionalfixedmortgage gSPrd.fctrConventionalfixedmortgage
## gSPrd.fctrOther(i.e.phone,healthclub,etc.) gSPrd.fctrOther(i.e.phone,healthclub,etc.)
## gSPrd.fctrIdonotknow gSPrd.fctrIdonotknow
## gSPrd.fctr gSPrd.fctr
## gSPrd.fctrOthermortgage gSPrd.fctrOthermortgage
## gSPrd.fctrCreditcard gSPrd.fctrCreditcard
## gSPrd.fctrConventionaladjustablemortgage(ARM) gSPrd.fctrConventionaladjustablemortgage(ARM)
## gSPrd.fctrOtherbankproduct/service gSPrd.fctrOtherbankproduct/service
## gSPrd.fctrNon-federalstudentloan gSPrd.fctrNon-federalstudentloan
## gSPrd.fctrFHAmortgage gSPrd.fctrFHAmortgage
## gSPrd.fctr(CD)Certificateofdeposit gSPrd.fctr(CD)Certificateofdeposit
## gSPrd.fctrHomeequityloanorlineofcredit gSPrd.fctrHomeequityloanorlineofcredit
## gSPrd.fctrVehiclelease gSPrd.fctrVehiclelease
## gSPrd.fctrSavingsaccount gSPrd.fctrSavingsaccount
## gSPrd.fctrFederalstudentloan gSPrd.fctrFederalstudentloan
## gSPrd.fctrMortgage gSPrd.fctrMortgage
## gSPrd.fctrReversemortgage gSPrd.fctrReversemortgage
## gSPrd.fctrAuto gSPrd.fctrAuto
## gSPrd.fctrInstallmentloan gSPrd.fctrInstallmentloan
## gSPrd.fctrMedical gSPrd.fctrMedical
## gSPrd.fctrVAmortgage gSPrd.fctrVAmortgage
## gSPrd.fctrDomestic(US)moneytransfer gSPrd.fctrDomestic(US)moneytransfer
## gSPrd.fctrInternationalmoneytransfer gSPrd.fctrInternationalmoneytransfer
## gSPrd.fctrPersonallineofcredit gSPrd.fctrPersonallineofcredit
## gSPrd.fctrSecondmortgage gSPrd.fctrSecondmortgage
## gSPrd.fctrCashingacheckwithoutanaccount gSPrd.fctrCashingacheckwithoutanaccount
## gSPrd.fctrPaydayloan gSPrd.fctrPaydayloan
## gSPrd.fctrCheckcashing gSPrd.fctrCheckcashing
## gSPrd.fctrGovernmentbenefitpaymentcard gSPrd.fctrGovernmentbenefitpaymentcard
## gSPrd.fctrTitleloan gSPrd.fctrTitleloan
## gSPrd.fctrForeigncurrencyexchange gSPrd.fctrForeigncurrencyexchange
## gSPrd.fctrRefundanticipationcheck gSPrd.fctrRefundanticipationcheck
## gSPrd.fctrDebtsettlement gSPrd.fctrDebtsettlement
## gSPrd.fctrCreditrepair gSPrd.fctrCreditrepair
## gSPrd.fctrPawnloan gSPrd.fctrPawnloan
## gSPrd.fctrMoneyorder gSPrd.fctrMoneyorder
## gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks
## gSPrd.fctrFederalstudentloanservicing gSPrd.fctrFederalstudentloanservicing
## gTags.fctrOlderAmerican gTags.fctrOlderAmerican
## gTags.fctrOlderAmericanServicemember gTags.fctrOlderAmericanServicemember
## gSPrd.fctrVehicleloan:.clusterid.fctr2 gSPrd.fctrVehicleloan:.clusterid.fctr2
## gSPrd.fctrCheckingaccount:.clusterid.fctr2 gSPrd.fctrCheckingaccount:.clusterid.fctr2
## gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr2 gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr2
## gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr2 gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr2
## gSPrd.fctrIdonotknow:.clusterid.fctr2 gSPrd.fctrIdonotknow:.clusterid.fctr2
## gSPrd.fctr:.clusterid.fctr2 gSPrd.fctr:.clusterid.fctr2
## gSPrd.fctrOthermortgage:.clusterid.fctr2 gSPrd.fctrOthermortgage:.clusterid.fctr2
## gSPrd.fctrCreditcard:.clusterid.fctr2 gSPrd.fctrCreditcard:.clusterid.fctr2
## gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr2 gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr2
## gSPrd.fctrOtherbankproduct/service:.clusterid.fctr2 gSPrd.fctrOtherbankproduct/service:.clusterid.fctr2
## gSPrd.fctrNon-federalstudentloan:.clusterid.fctr2 gSPrd.fctrNon-federalstudentloan:.clusterid.fctr2
## gSPrd.fctrFHAmortgage:.clusterid.fctr2 gSPrd.fctrFHAmortgage:.clusterid.fctr2
## gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr2 gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr2
## gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr2 gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr2
## gSPrd.fctrVehiclelease:.clusterid.fctr2 gSPrd.fctrVehiclelease:.clusterid.fctr2
## gSPrd.fctrSavingsaccount:.clusterid.fctr2 gSPrd.fctrSavingsaccount:.clusterid.fctr2
## gSPrd.fctrFederalstudentloan:.clusterid.fctr2 gSPrd.fctrFederalstudentloan:.clusterid.fctr2
## gSPrd.fctrMortgage:.clusterid.fctr2 gSPrd.fctrMortgage:.clusterid.fctr2
## gSPrd.fctrReversemortgage:.clusterid.fctr2 gSPrd.fctrReversemortgage:.clusterid.fctr2
## gSPrd.fctrAuto:.clusterid.fctr2 gSPrd.fctrAuto:.clusterid.fctr2
## gSPrd.fctrInstallmentloan:.clusterid.fctr2 gSPrd.fctrInstallmentloan:.clusterid.fctr2
## gSPrd.fctrMedical:.clusterid.fctr2 gSPrd.fctrMedical:.clusterid.fctr2
## gSPrd.fctrVAmortgage:.clusterid.fctr2 gSPrd.fctrVAmortgage:.clusterid.fctr2
## gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr2 gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr2
## gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr2 gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr2
## gSPrd.fctrPersonallineofcredit:.clusterid.fctr2 gSPrd.fctrPersonallineofcredit:.clusterid.fctr2
## gSPrd.fctrSecondmortgage:.clusterid.fctr2 gSPrd.fctrSecondmortgage:.clusterid.fctr2
## gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr2 gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr2
## gSPrd.fctrPaydayloan:.clusterid.fctr2 gSPrd.fctrPaydayloan:.clusterid.fctr2
## gSPrd.fctrCheckcashing:.clusterid.fctr2 gSPrd.fctrCheckcashing:.clusterid.fctr2
## gSPrd.fctrMobilewallet:.clusterid.fctr2 gSPrd.fctrMobilewallet:.clusterid.fctr2
## gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr2 gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr2
## gSPrd.fctrGiftormerchantcard:.clusterid.fctr2 gSPrd.fctrGiftormerchantcard:.clusterid.fctr2
## gSPrd.fctrGeneralpurposecard:.clusterid.fctr2 gSPrd.fctrGeneralpurposecard:.clusterid.fctr2
## gSPrd.fctrTitleloan:.clusterid.fctr2 gSPrd.fctrTitleloan:.clusterid.fctr2
## gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr2 gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr2
## gSPrd.fctrRefundanticipationcheck:.clusterid.fctr2 gSPrd.fctrRefundanticipationcheck:.clusterid.fctr2
## gSPrd.fctrDebtsettlement:.clusterid.fctr2 gSPrd.fctrDebtsettlement:.clusterid.fctr2
## gSPrd.fctrPayrollcard:.clusterid.fctr2 gSPrd.fctrPayrollcard:.clusterid.fctr2
## gSPrd.fctrIDprepaidcard:.clusterid.fctr2 gSPrd.fctrIDprepaidcard:.clusterid.fctr2
## gSPrd.fctrCreditrepair:.clusterid.fctr2 gSPrd.fctrCreditrepair:.clusterid.fctr2
## gSPrd.fctrPawnloan:.clusterid.fctr2 gSPrd.fctrPawnloan:.clusterid.fctr2
## gSPrd.fctrMoneyorder:.clusterid.fctr2 gSPrd.fctrMoneyorder:.clusterid.fctr2
## gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks:.clusterid.fctr2 gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks:.clusterid.fctr2
## gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr2 gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr2
## gSPrd.fctrOther:.clusterid.fctr3 gSPrd.fctrOther:.clusterid.fctr3
## gSPrd.fctrVehicleloan:.clusterid.fctr3 gSPrd.fctrVehicleloan:.clusterid.fctr3
## gSPrd.fctrCheckingaccount:.clusterid.fctr3 gSPrd.fctrCheckingaccount:.clusterid.fctr3
## gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr3 gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr3
## gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr3 gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr3
## gSPrd.fctrIdonotknow:.clusterid.fctr3 gSPrd.fctrIdonotknow:.clusterid.fctr3
## gSPrd.fctr:.clusterid.fctr3 gSPrd.fctr:.clusterid.fctr3
## gSPrd.fctrOthermortgage:.clusterid.fctr3 gSPrd.fctrOthermortgage:.clusterid.fctr3
## gSPrd.fctrCreditcard:.clusterid.fctr3 gSPrd.fctrCreditcard:.clusterid.fctr3
## gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr3 gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr3
## gSPrd.fctrOtherbankproduct/service:.clusterid.fctr3 gSPrd.fctrOtherbankproduct/service:.clusterid.fctr3
## gSPrd.fctrNon-federalstudentloan:.clusterid.fctr3 gSPrd.fctrNon-federalstudentloan:.clusterid.fctr3
## gSPrd.fctrFHAmortgage:.clusterid.fctr3 gSPrd.fctrFHAmortgage:.clusterid.fctr3
## gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr3 gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr3
## gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr3 gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr3
## gSPrd.fctrVehiclelease:.clusterid.fctr3 gSPrd.fctrVehiclelease:.clusterid.fctr3
## gSPrd.fctrSavingsaccount:.clusterid.fctr3 gSPrd.fctrSavingsaccount:.clusterid.fctr3
## gSPrd.fctrFederalstudentloan:.clusterid.fctr3 gSPrd.fctrFederalstudentloan:.clusterid.fctr3
## gSPrd.fctrMortgage:.clusterid.fctr3 gSPrd.fctrMortgage:.clusterid.fctr3
## gSPrd.fctrReversemortgage:.clusterid.fctr3 gSPrd.fctrReversemortgage:.clusterid.fctr3
## gSPrd.fctrAuto:.clusterid.fctr3 gSPrd.fctrAuto:.clusterid.fctr3
## gSPrd.fctrInstallmentloan:.clusterid.fctr3 gSPrd.fctrInstallmentloan:.clusterid.fctr3
## gSPrd.fctrMedical:.clusterid.fctr3 gSPrd.fctrMedical:.clusterid.fctr3
## gSPrd.fctrVAmortgage:.clusterid.fctr3 gSPrd.fctrVAmortgage:.clusterid.fctr3
## gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr3 gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr3
## gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr3 gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr3
## gSPrd.fctrPersonallineofcredit:.clusterid.fctr3 gSPrd.fctrPersonallineofcredit:.clusterid.fctr3
## gSPrd.fctrSecondmortgage:.clusterid.fctr3 gSPrd.fctrSecondmortgage:.clusterid.fctr3
## gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr3 gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr3
## gSPrd.fctrPaydayloan:.clusterid.fctr3 gSPrd.fctrPaydayloan:.clusterid.fctr3
## gSPrd.fctrCheckcashing:.clusterid.fctr3 gSPrd.fctrCheckcashing:.clusterid.fctr3
## gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr3 gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr3
## gSPrd.fctrGiftormerchantcard:.clusterid.fctr3 gSPrd.fctrGiftormerchantcard:.clusterid.fctr3
## gSPrd.fctrTitleloan:.clusterid.fctr3 gSPrd.fctrTitleloan:.clusterid.fctr3
## gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr3 gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr3
## gSPrd.fctrRefundanticipationcheck:.clusterid.fctr3 gSPrd.fctrRefundanticipationcheck:.clusterid.fctr3
## gSPrd.fctrDebtsettlement:.clusterid.fctr3 gSPrd.fctrDebtsettlement:.clusterid.fctr3
## gSPrd.fctrPayrollcard:.clusterid.fctr3 gSPrd.fctrPayrollcard:.clusterid.fctr3
## gSPrd.fctrIDprepaidcard:.clusterid.fctr3 gSPrd.fctrIDprepaidcard:.clusterid.fctr3
## gSPrd.fctrCreditrepair:.clusterid.fctr3 gSPrd.fctrCreditrepair:.clusterid.fctr3
## gSPrd.fctrPawnloan:.clusterid.fctr3 gSPrd.fctrPawnloan:.clusterid.fctr3
## gSPrd.fctrMoneyorder:.clusterid.fctr3 gSPrd.fctrMoneyorder:.clusterid.fctr3
## gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks:.clusterid.fctr3 gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks:.clusterid.fctr3
## gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr3 gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr3
## gSPrd.fctrOther:.clusterid.fctr4 gSPrd.fctrOther:.clusterid.fctr4
## gSPrd.fctrVehicleloan:.clusterid.fctr4 gSPrd.fctrVehicleloan:.clusterid.fctr4
## gSPrd.fctrCheckingaccount:.clusterid.fctr4 gSPrd.fctrCheckingaccount:.clusterid.fctr4
## gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr4 gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr4
## gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr4 gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr4
## gSPrd.fctrIdonotknow:.clusterid.fctr4 gSPrd.fctrIdonotknow:.clusterid.fctr4
## gSPrd.fctr:.clusterid.fctr4 gSPrd.fctr:.clusterid.fctr4
## gSPrd.fctrOthermortgage:.clusterid.fctr4 gSPrd.fctrOthermortgage:.clusterid.fctr4
## gSPrd.fctrCreditcard:.clusterid.fctr4 gSPrd.fctrCreditcard:.clusterid.fctr4
## gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr4 gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr4
## gSPrd.fctrOtherbankproduct/service:.clusterid.fctr4 gSPrd.fctrOtherbankproduct/service:.clusterid.fctr4
## gSPrd.fctrNon-federalstudentloan:.clusterid.fctr4 gSPrd.fctrNon-federalstudentloan:.clusterid.fctr4
## gSPrd.fctrFHAmortgage:.clusterid.fctr4 gSPrd.fctrFHAmortgage:.clusterid.fctr4
## gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr4 gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr4
## gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr4 gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr4
## gSPrd.fctrVehiclelease:.clusterid.fctr4 gSPrd.fctrVehiclelease:.clusterid.fctr4
## gSPrd.fctrSavingsaccount:.clusterid.fctr4 gSPrd.fctrSavingsaccount:.clusterid.fctr4
## gSPrd.fctrFederalstudentloan:.clusterid.fctr4 gSPrd.fctrFederalstudentloan:.clusterid.fctr4
## gSPrd.fctrMortgage:.clusterid.fctr4 gSPrd.fctrMortgage:.clusterid.fctr4
## gSPrd.fctrReversemortgage:.clusterid.fctr4 gSPrd.fctrReversemortgage:.clusterid.fctr4
## gSPrd.fctrAuto:.clusterid.fctr4 gSPrd.fctrAuto:.clusterid.fctr4
## gSPrd.fctrInstallmentloan:.clusterid.fctr4 gSPrd.fctrInstallmentloan:.clusterid.fctr4
## gSPrd.fctrMedical:.clusterid.fctr4 gSPrd.fctrMedical:.clusterid.fctr4
## gSPrd.fctrVAmortgage:.clusterid.fctr4 gSPrd.fctrVAmortgage:.clusterid.fctr4
## gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr4 gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr4
## gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr4 gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr4
## gSPrd.fctrPersonallineofcredit:.clusterid.fctr4 gSPrd.fctrPersonallineofcredit:.clusterid.fctr4
## gSPrd.fctrSecondmortgage:.clusterid.fctr4 gSPrd.fctrSecondmortgage:.clusterid.fctr4
## gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr4 gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr4
## gSPrd.fctrPaydayloan:.clusterid.fctr4 gSPrd.fctrPaydayloan:.clusterid.fctr4
## gSPrd.fctrCheckcashing:.clusterid.fctr4 gSPrd.fctrCheckcashing:.clusterid.fctr4
## gSPrd.fctrMobilewallet:.clusterid.fctr4 gSPrd.fctrMobilewallet:.clusterid.fctr4
## gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr4 gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr4
## gSPrd.fctrGiftormerchantcard:.clusterid.fctr4 gSPrd.fctrGiftormerchantcard:.clusterid.fctr4
## gSPrd.fctrGeneralpurposecard:.clusterid.fctr4 gSPrd.fctrGeneralpurposecard:.clusterid.fctr4
## gSPrd.fctrTitleloan:.clusterid.fctr4 gSPrd.fctrTitleloan:.clusterid.fctr4
## gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr4 gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr4
## gSPrd.fctrRefundanticipationcheck:.clusterid.fctr4 gSPrd.fctrRefundanticipationcheck:.clusterid.fctr4
## gSPrd.fctrDebtsettlement:.clusterid.fctr4 gSPrd.fctrDebtsettlement:.clusterid.fctr4
## gSPrd.fctrPayrollcard:.clusterid.fctr4 gSPrd.fctrPayrollcard:.clusterid.fctr4
## gSPrd.fctrIDprepaidcard:.clusterid.fctr4 gSPrd.fctrIDprepaidcard:.clusterid.fctr4
## gSPrd.fctrCreditrepair:.clusterid.fctr4 gSPrd.fctrCreditrepair:.clusterid.fctr4
## gSPrd.fctrPawnloan:.clusterid.fctr4 gSPrd.fctrPawnloan:.clusterid.fctr4
## gSPrd.fctrMoneyorder:.clusterid.fctr4 gSPrd.fctrMoneyorder:.clusterid.fctr4
## gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks:.clusterid.fctr4 gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks:.clusterid.fctr4
## gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr4 gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr4
## rel.inf
## Datereceived.juliandate 11.6942793
## Datereceived.last32.log1p 10.4663268
## .rnorm 10.0440344
## Response.fctrClosedwithmonetaryrelief 7.5708353
## gCompany.fctrAmex 7.5153939
## Datereceived.last16.log1p 4.6495452
## Datereceived.last2.log1p 4.3109082
## Datereceived.last4.log1p 4.2109105
## Sent.Recd.Dys 3.0803032
## Datereceived.month.fctr07 3.0723298
## Datereceived.year.fctr2016 2.5797180
## Datereceived.last8.log1p 2.2840333
## Sent.Recd.Dys.nexp 2.1042874
## Datereceived.wkend 2.0596648
## Channel.fctrPhone 1.9900650
## Response.fctrClosedwithnon-monetaryrelief 1.7181929
## gTags.fctrServicemember 1.5922156
## gCompany.fctrCitibank 1.4706241
## gCompany.fctrNetSpendCorporation,aTSYSCompany 1.4065563
## Rgn.Dvn.fctrWT#Pacific 1.3916654
## Datereceived.month.fctr06 1.2963442
## Datereceived.month.fctr09 1.2819048
## gSPrd.fctrMobilewallet 1.2364620
## Channel.fctrReferral 1.1969326
## Datereceived.month.fctr05 1.1793508
## Rgn.Dvn.fctrMW#EastNorthCentral 1.1085385
## gSPrd.fctrPayrollcard 0.9842425
## gSPrd.fctrOther:.clusterid.fctr2 0.7533706
## gSPrd.fctrMobilewallet:.clusterid.fctr3 0.6205197
## gSPrd.fctrGeneralpurposecard:.clusterid.fctr3 0.6168959
## gSPrd.fctrGeneralpurposecard 0.5345991
## gCConsent.fctrConsentprovided 0.5253100
## Datereceived.month.fctr08 0.5008988
## gCompany.fctrOther 0.4432724
## Datereceived.year.fctr2015 0.4330541
## Rgn.Dvn.fctrMW#WestNorthCentral#MidAtlantic 0.4008774
## gCConsent.fctrOther 0.3759966
## gSPrd.fctrGiftormerchantcard 0.3386735
## gCompany.fctrComerica 0.2994984
## Datereceived.wkday.fctr4 0.2887134
## gSPrd.fctrIDprepaidcard 0.1881712
## Datereceived.month.fctr03 0.1844840
## .clusterid 0.0000000
## Channel.fctrFax 0.0000000
## Channel.fctrPostalmail 0.0000000
## Datereceived.date.fctr(7,13] 0.0000000
## Datereceived.date.fctr(13,19] 0.0000000
## Datereceived.date.fctr(19,25] 0.0000000
## Datereceived.date.fctr(25,31] 0.0000000
## Datereceived.month.fctr02 0.0000000
## Datereceived.month.fctr04 0.0000000
## Datereceived.month.fctr10 0.0000000
## Datereceived.month.fctr11 0.0000000
## Datereceived.month.fctr12 0.0000000
## Datereceived.wkday.fctr1 0.0000000
## Datereceived.wkday.fctr2 0.0000000
## Datereceived.wkday.fctr3 0.0000000
## Datereceived.wkday.fctr5 0.0000000
## Datereceived.wkday.fctr6 0.0000000
## Datesenttocompany.date.fctr(7,13] 0.0000000
## Datesenttocompany.date.fctr(13,19] 0.0000000
## Datesenttocompany.date.fctr(19,25] 0.0000000
## Datesenttocompany.date.fctr(25,31] 0.0000000
## Datesenttocompany.juliandate 0.0000000
## Datesenttocompany.last16.log1p 0.0000000
## Datesenttocompany.last2.log1p 0.0000000
## Datesenttocompany.last32.log1p 0.0000000
## Datesenttocompany.last4.log1p 0.0000000
## Datesenttocompany.last8.log1p 0.0000000
## Datesenttocompany.month.fctr02 0.0000000
## Datesenttocompany.month.fctr03 0.0000000
## Datesenttocompany.month.fctr04 0.0000000
## Datesenttocompany.month.fctr05 0.0000000
## Datesenttocompany.month.fctr06 0.0000000
## Datesenttocompany.month.fctr07 0.0000000
## Datesenttocompany.month.fctr08 0.0000000
## Datesenttocompany.month.fctr09 0.0000000
## Datesenttocompany.month.fctr10 0.0000000
## Datesenttocompany.month.fctr11 0.0000000
## Datesenttocompany.month.fctr12 0.0000000
## Datesenttocompany.wkday.fctr1 0.0000000
## Datesenttocompany.wkday.fctr2 0.0000000
## Datesenttocompany.wkday.fctr3 0.0000000
## Datesenttocompany.wkday.fctr4 0.0000000
## Datesenttocompany.wkday.fctr5 0.0000000
## Datesenttocompany.wkday.fctr6 0.0000000
## Datesenttocompany.wkend 0.0000000
## Datesenttocompany.year.fctr2015 0.0000000
## Datesenttocompany.year.fctr2016 0.0000000
## Response.fctrClosed 0.0000000
## Response.fctrInprogress 0.0000000
## Response.fctrUntimelyresponse 0.0000000
## Rgn.Dvn.fctrMW#WestNorthCentral 0.0000000
## Rgn.Dvn.fctrMW#WestNorthCentral#NewEngland 0.0000000
## Rgn.Dvn.fctrOT#Other 0.0000000
## Rgn.Dvn.fctrSH#EastSouthCentral 0.0000000
## Rgn.Dvn.fctrSH#WestSouthCentral 0.0000000
## Rgn.Dvn.fctrWT#Mountain 0.0000000
## Sent.Recd.Dys.log1p 0.0000000
## Sent.Recd.Dys.root2 0.0000000
## gCConsent.fctrConsentnotprovided 0.0000000
## gCompany.fctrBlackhawkNetworkHoldingsInc. 0.0000000
## gCompany.fctrPayPalHoldings,Inc. 0.0000000
## gCompany.fctrU.S.Bancorp 0.0000000
## gSPrd.fctrVehicleloan 0.0000000
## gSPrd.fctrCheckingaccount 0.0000000
## gSPrd.fctrConventionalfixedmortgage 0.0000000
## gSPrd.fctrOther(i.e.phone,healthclub,etc.) 0.0000000
## gSPrd.fctrIdonotknow 0.0000000
## gSPrd.fctr 0.0000000
## gSPrd.fctrOthermortgage 0.0000000
## gSPrd.fctrCreditcard 0.0000000
## gSPrd.fctrConventionaladjustablemortgage(ARM) 0.0000000
## gSPrd.fctrOtherbankproduct/service 0.0000000
## gSPrd.fctrNon-federalstudentloan 0.0000000
## gSPrd.fctrFHAmortgage 0.0000000
## gSPrd.fctr(CD)Certificateofdeposit 0.0000000
## gSPrd.fctrHomeequityloanorlineofcredit 0.0000000
## gSPrd.fctrVehiclelease 0.0000000
## gSPrd.fctrSavingsaccount 0.0000000
## gSPrd.fctrFederalstudentloan 0.0000000
## gSPrd.fctrMortgage 0.0000000
## gSPrd.fctrReversemortgage 0.0000000
## gSPrd.fctrAuto 0.0000000
## gSPrd.fctrInstallmentloan 0.0000000
## gSPrd.fctrMedical 0.0000000
## gSPrd.fctrVAmortgage 0.0000000
## gSPrd.fctrDomestic(US)moneytransfer 0.0000000
## gSPrd.fctrInternationalmoneytransfer 0.0000000
## gSPrd.fctrPersonallineofcredit 0.0000000
## gSPrd.fctrSecondmortgage 0.0000000
## gSPrd.fctrCashingacheckwithoutanaccount 0.0000000
## gSPrd.fctrPaydayloan 0.0000000
## gSPrd.fctrCheckcashing 0.0000000
## gSPrd.fctrGovernmentbenefitpaymentcard 0.0000000
## gSPrd.fctrTitleloan 0.0000000
## gSPrd.fctrForeigncurrencyexchange 0.0000000
## gSPrd.fctrRefundanticipationcheck 0.0000000
## gSPrd.fctrDebtsettlement 0.0000000
## gSPrd.fctrCreditrepair 0.0000000
## gSPrd.fctrPawnloan 0.0000000
## gSPrd.fctrMoneyorder 0.0000000
## gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks 0.0000000
## gSPrd.fctrFederalstudentloanservicing 0.0000000
## gTags.fctrOlderAmerican 0.0000000
## gTags.fctrOlderAmericanServicemember 0.0000000
## gSPrd.fctrVehicleloan:.clusterid.fctr2 0.0000000
## gSPrd.fctrCheckingaccount:.clusterid.fctr2 0.0000000
## gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr2 0.0000000
## gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr2 0.0000000
## gSPrd.fctrIdonotknow:.clusterid.fctr2 0.0000000
## gSPrd.fctr:.clusterid.fctr2 0.0000000
## gSPrd.fctrOthermortgage:.clusterid.fctr2 0.0000000
## gSPrd.fctrCreditcard:.clusterid.fctr2 0.0000000
## gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr2 0.0000000
## gSPrd.fctrOtherbankproduct/service:.clusterid.fctr2 0.0000000
## gSPrd.fctrNon-federalstudentloan:.clusterid.fctr2 0.0000000
## gSPrd.fctrFHAmortgage:.clusterid.fctr2 0.0000000
## gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr2 0.0000000
## gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr2 0.0000000
## gSPrd.fctrVehiclelease:.clusterid.fctr2 0.0000000
## gSPrd.fctrSavingsaccount:.clusterid.fctr2 0.0000000
## gSPrd.fctrFederalstudentloan:.clusterid.fctr2 0.0000000
## gSPrd.fctrMortgage:.clusterid.fctr2 0.0000000
## gSPrd.fctrReversemortgage:.clusterid.fctr2 0.0000000
## gSPrd.fctrAuto:.clusterid.fctr2 0.0000000
## gSPrd.fctrInstallmentloan:.clusterid.fctr2 0.0000000
## gSPrd.fctrMedical:.clusterid.fctr2 0.0000000
## gSPrd.fctrVAmortgage:.clusterid.fctr2 0.0000000
## gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr2 0.0000000
## gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr2 0.0000000
## gSPrd.fctrPersonallineofcredit:.clusterid.fctr2 0.0000000
## gSPrd.fctrSecondmortgage:.clusterid.fctr2 0.0000000
## gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr2 0.0000000
## gSPrd.fctrPaydayloan:.clusterid.fctr2 0.0000000
## gSPrd.fctrCheckcashing:.clusterid.fctr2 0.0000000
## gSPrd.fctrMobilewallet:.clusterid.fctr2 0.0000000
## gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr2 0.0000000
## gSPrd.fctrGiftormerchantcard:.clusterid.fctr2 0.0000000
## gSPrd.fctrGeneralpurposecard:.clusterid.fctr2 0.0000000
## gSPrd.fctrTitleloan:.clusterid.fctr2 0.0000000
## gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr2 0.0000000
## gSPrd.fctrRefundanticipationcheck:.clusterid.fctr2 0.0000000
## gSPrd.fctrDebtsettlement:.clusterid.fctr2 0.0000000
## gSPrd.fctrPayrollcard:.clusterid.fctr2 0.0000000
## gSPrd.fctrIDprepaidcard:.clusterid.fctr2 0.0000000
## gSPrd.fctrCreditrepair:.clusterid.fctr2 0.0000000
## gSPrd.fctrPawnloan:.clusterid.fctr2 0.0000000
## gSPrd.fctrMoneyorder:.clusterid.fctr2 0.0000000
## gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks:.clusterid.fctr2 0.0000000
## gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr2 0.0000000
## gSPrd.fctrOther:.clusterid.fctr3 0.0000000
## gSPrd.fctrVehicleloan:.clusterid.fctr3 0.0000000
## gSPrd.fctrCheckingaccount:.clusterid.fctr3 0.0000000
## gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr3 0.0000000
## gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr3 0.0000000
## gSPrd.fctrIdonotknow:.clusterid.fctr3 0.0000000
## gSPrd.fctr:.clusterid.fctr3 0.0000000
## gSPrd.fctrOthermortgage:.clusterid.fctr3 0.0000000
## gSPrd.fctrCreditcard:.clusterid.fctr3 0.0000000
## gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr3 0.0000000
## gSPrd.fctrOtherbankproduct/service:.clusterid.fctr3 0.0000000
## gSPrd.fctrNon-federalstudentloan:.clusterid.fctr3 0.0000000
## gSPrd.fctrFHAmortgage:.clusterid.fctr3 0.0000000
## gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr3 0.0000000
## gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr3 0.0000000
## gSPrd.fctrVehiclelease:.clusterid.fctr3 0.0000000
## gSPrd.fctrSavingsaccount:.clusterid.fctr3 0.0000000
## gSPrd.fctrFederalstudentloan:.clusterid.fctr3 0.0000000
## gSPrd.fctrMortgage:.clusterid.fctr3 0.0000000
## gSPrd.fctrReversemortgage:.clusterid.fctr3 0.0000000
## gSPrd.fctrAuto:.clusterid.fctr3 0.0000000
## gSPrd.fctrInstallmentloan:.clusterid.fctr3 0.0000000
## gSPrd.fctrMedical:.clusterid.fctr3 0.0000000
## gSPrd.fctrVAmortgage:.clusterid.fctr3 0.0000000
## gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr3 0.0000000
## gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr3 0.0000000
## gSPrd.fctrPersonallineofcredit:.clusterid.fctr3 0.0000000
## gSPrd.fctrSecondmortgage:.clusterid.fctr3 0.0000000
## gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr3 0.0000000
## gSPrd.fctrPaydayloan:.clusterid.fctr3 0.0000000
## gSPrd.fctrCheckcashing:.clusterid.fctr3 0.0000000
## gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr3 0.0000000
## gSPrd.fctrGiftormerchantcard:.clusterid.fctr3 0.0000000
## gSPrd.fctrTitleloan:.clusterid.fctr3 0.0000000
## gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr3 0.0000000
## gSPrd.fctrRefundanticipationcheck:.clusterid.fctr3 0.0000000
## gSPrd.fctrDebtsettlement:.clusterid.fctr3 0.0000000
## gSPrd.fctrPayrollcard:.clusterid.fctr3 0.0000000
## gSPrd.fctrIDprepaidcard:.clusterid.fctr3 0.0000000
## gSPrd.fctrCreditrepair:.clusterid.fctr3 0.0000000
## gSPrd.fctrPawnloan:.clusterid.fctr3 0.0000000
## gSPrd.fctrMoneyorder:.clusterid.fctr3 0.0000000
## gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks:.clusterid.fctr3 0.0000000
## gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr3 0.0000000
## gSPrd.fctrOther:.clusterid.fctr4 0.0000000
## gSPrd.fctrVehicleloan:.clusterid.fctr4 0.0000000
## gSPrd.fctrCheckingaccount:.clusterid.fctr4 0.0000000
## gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr4 0.0000000
## gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr4 0.0000000
## gSPrd.fctrIdonotknow:.clusterid.fctr4 0.0000000
## gSPrd.fctr:.clusterid.fctr4 0.0000000
## gSPrd.fctrOthermortgage:.clusterid.fctr4 0.0000000
## gSPrd.fctrCreditcard:.clusterid.fctr4 0.0000000
## gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr4 0.0000000
## gSPrd.fctrOtherbankproduct/service:.clusterid.fctr4 0.0000000
## gSPrd.fctrNon-federalstudentloan:.clusterid.fctr4 0.0000000
## gSPrd.fctrFHAmortgage:.clusterid.fctr4 0.0000000
## gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr4 0.0000000
## gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr4 0.0000000
## gSPrd.fctrVehiclelease:.clusterid.fctr4 0.0000000
## gSPrd.fctrSavingsaccount:.clusterid.fctr4 0.0000000
## gSPrd.fctrFederalstudentloan:.clusterid.fctr4 0.0000000
## gSPrd.fctrMortgage:.clusterid.fctr4 0.0000000
## gSPrd.fctrReversemortgage:.clusterid.fctr4 0.0000000
## gSPrd.fctrAuto:.clusterid.fctr4 0.0000000
## gSPrd.fctrInstallmentloan:.clusterid.fctr4 0.0000000
## gSPrd.fctrMedical:.clusterid.fctr4 0.0000000
## gSPrd.fctrVAmortgage:.clusterid.fctr4 0.0000000
## gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr4 0.0000000
## gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr4 0.0000000
## gSPrd.fctrPersonallineofcredit:.clusterid.fctr4 0.0000000
## gSPrd.fctrSecondmortgage:.clusterid.fctr4 0.0000000
## gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr4 0.0000000
## gSPrd.fctrPaydayloan:.clusterid.fctr4 0.0000000
## gSPrd.fctrCheckcashing:.clusterid.fctr4 0.0000000
## gSPrd.fctrMobilewallet:.clusterid.fctr4 0.0000000
## gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr4 0.0000000
## gSPrd.fctrGiftormerchantcard:.clusterid.fctr4 0.0000000
## gSPrd.fctrGeneralpurposecard:.clusterid.fctr4 0.0000000
## gSPrd.fctrTitleloan:.clusterid.fctr4 0.0000000
## gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr4 0.0000000
## gSPrd.fctrRefundanticipationcheck:.clusterid.fctr4 0.0000000
## gSPrd.fctrDebtsettlement:.clusterid.fctr4 0.0000000
## gSPrd.fctrPayrollcard:.clusterid.fctr4 0.0000000
## gSPrd.fctrIDprepaidcard:.clusterid.fctr4 0.0000000
## gSPrd.fctrCreditrepair:.clusterid.fctr4 0.0000000
## gSPrd.fctrPawnloan:.clusterid.fctr4 0.0000000
## gSPrd.fctrMoneyorder:.clusterid.fctr4 0.0000000
## gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks:.clusterid.fctr4 0.0000000
## gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr4 0.0000000
## [1] "myfit_mdl: train diagnostics complete: 88.738000 secs"
## Prediction
## Reference N Y
## N 655 336
## Y 62 290
## Accuracy Kappa AccuracyLower AccuracyUpper AccuracyNull
## 7.036485e-01 3.875520e-01 6.784269e-01 7.279758e-01 7.379002e-01
## AccuracyPValue McnemarPValue
## 9.978259e-01 1.260955e-42
## Prediction
## Reference N Y
## N 1033 408
## Y 34 51
## Accuracy Kappa AccuracyLower AccuracyUpper AccuracyNull
## 7.103539e-01 1.032051e-01 6.868782e-01 7.330172e-01 9.442988e-01
## AccuracyPValue McnemarPValue
## 1.000000e+00 1.994400e-70
## [1] "myfit_mdl: predict complete: 95.190000 secs"
## id
## 1 All.X##rcv#gbm
## feats
## 1 Datereceived.last8.log1p,Datesenttocompany.last8.log1p,Datereceived.last4.log1p,Datesenttocompany.last4.log1p,Datereceived.last2.log1p,Datesenttocompany.last2.log1p,Datereceived.last16.log1p,Datesenttocompany.last16.log1p,Datereceived.last32.log1p,Datesenttocompany.last32.log1p,gCompany.fctr,gTags.fctr,Sent.Recd.Dys.nexp,Rgn.Dvn.fctr,Datereceived.year.fctr,Datesenttocompany.year.fctr,Datereceived.wkday.fctr,Datesenttocompany.wkday.fctr,gCConsent.fctr,.rnorm,Datereceived.wkend,Datesenttocompany.wkend,Channel.fctr,gSPrd.fctr,.clusterid,Datereceived.month.fctr,Datesenttocompany.month.fctr,Datereceived.juliandate,Datesenttocompany.juliandate,Datereceived.date.fctr,Datesenttocompany.date.fctr,Sent.Recd.Dys,Sent.Recd.Dys.root2,Sent.Recd.Dys.log1p,Response.fctr,gSPrd.fctr:.clusterid.fctr
## max.nTuningRuns min.elapsedtime.everything min.elapsedtime.final
## 1 25 87.69 1.094
## max.AUCpROC.fit max.Sens.fit max.Spec.fit max.AUCROCR.fit
## 1 0.6326842 0.9727548 0.2926136 0.82663
## opt.prob.threshold.fit max.f.score.fit max.Accuracy.fit
## 1 0.25 0.593047 0.7533073
## max.AccuracyLower.fit max.AccuracyUpper.fit max.Kappa.fit
## 1 0.6784269 0.7279758 0.1766307
## min.log.loss.mean.fit max.AUCpROC.OOB max.Sens.OOB max.Spec.OOB
## 1 0.4464273 0.5656652 0.9430951 0.1882353
## max.AUCROCR.OOB opt.prob.threshold.OOB max.f.score.OOB max.Accuracy.OOB
## 1 0.707703 0.3 0.1875 0.7103539
## max.AccuracyLower.OOB max.AccuracyUpper.OOB max.Kappa.OOB
## 1 0.6868782 0.7330172 0.1032051
## min.log.loss.mean.OOB max.AccuracySD.fit max.KappaSD.fit
## 1 0.3343234 0.02129904 0.07142319
## [1] "myfit_mdl: exit: 95.350000 secs"
## label step_major step_minor label_minor bgn end
## 3 fit.models_1_All.X 1 2 gbm 63.577 158.931
## 4 fit.models_1_All.X 1 3 rf 158.931 NA
## elapsed
## 3 95.354
## 4 NA
## [1] "myfit_mdl: enter: 0.000000 secs"
## [1] "myfit_mdl: fitting model: All.X##rcv#rf"
## [1] " indepVar: Datereceived.last8.log1p,Datesenttocompany.last8.log1p,Datereceived.last4.log1p,Datesenttocompany.last4.log1p,Datereceived.last2.log1p,Datesenttocompany.last2.log1p,Datereceived.last16.log1p,Datesenttocompany.last16.log1p,Datereceived.last32.log1p,Datesenttocompany.last32.log1p,gCompany.fctr,gTags.fctr,Sent.Recd.Dys.nexp,Rgn.Dvn.fctr,Datereceived.year.fctr,Datesenttocompany.year.fctr,Datereceived.wkday.fctr,Datesenttocompany.wkday.fctr,gCConsent.fctr,Datereceived.wkend,Datesenttocompany.wkend,Channel.fctr,gSPrd.fctr,.clusterid,Datereceived.month.fctr,Datesenttocompany.month.fctr,Datereceived.juliandate,Datesenttocompany.juliandate,Datereceived.date.fctr,Datesenttocompany.date.fctr,Sent.Recd.Dys,Sent.Recd.Dys.root2,Sent.Recd.Dys.log1p,Response.fctr,gSPrd.fctr:.clusterid.fctr"
## [1] "myfit_mdl: setup complete: 0.614000 secs"## Loading required package: randomForest## randomForest 4.6-12## Type rfNews() to see new features/changes/bug fixes.##
## Attaching package: 'randomForest'## The following object is masked from 'package:dplyr':
##
## combine## The following object is masked from 'package:ggplot2':
##
## margin
## Fitting mtry = 93 on full training set
## [1] "myfit_mdl: train complete: 14.700000 secs"
## mtry
## 1 93
## Length Class Mode
## call 4 -none- call
## type 1 -none- character
## predicted 1343 factor numeric
## err.rate 1500 -none- numeric
## confusion 6 -none- numeric
## votes 2686 matrix numeric
## oob.times 1343 -none- numeric
## classes 2 -none- character
## importance 280 -none- numeric
## importanceSD 0 -none- NULL
## localImportance 0 -none- NULL
## proximity 0 -none- NULL
## ntree 1 -none- numeric
## mtry 1 -none- numeric
## forest 14 -none- list
## y 1343 factor numeric
## test 0 -none- NULL
## inbag 0 -none- NULL
## xNames 280 -none- character
## problemType 1 -none- character
## tuneValue 1 data.frame list
## obsLevels 2 -none- character
## [1] "myfit_mdl: train diagnostics complete: 14.743000 secs"
## Prediction
## Reference N Y
## N 991 0
## Y 1 351
## Accuracy Kappa AccuracyLower AccuracyUpper AccuracyNull
## 9.992554e-01 9.980732e-01 9.958584e-01 9.999811e-01 7.379002e-01
## AccuracyPValue McnemarPValue
## 2.513550e-175 1.000000e+00
## Prediction
## Reference N Y
## N 781 660
## Y 20 65
## Accuracy Kappa AccuracyLower AccuracyUpper AccuracyNull
## 5.543906e-01 6.751377e-02 5.290407e-01 5.795308e-01 9.442988e-01
## AccuracyPValue McnemarPValue
## 1.000000e+00 1.321669e-132
## [1] "myfit_mdl: predict complete: 21.292000 secs"
## id
## 1 All.X##rcv#rf
## feats
## 1 Datereceived.last8.log1p,Datesenttocompany.last8.log1p,Datereceived.last4.log1p,Datesenttocompany.last4.log1p,Datereceived.last2.log1p,Datesenttocompany.last2.log1p,Datereceived.last16.log1p,Datesenttocompany.last16.log1p,Datereceived.last32.log1p,Datesenttocompany.last32.log1p,gCompany.fctr,gTags.fctr,Sent.Recd.Dys.nexp,Rgn.Dvn.fctr,Datereceived.year.fctr,Datesenttocompany.year.fctr,Datereceived.wkday.fctr,Datesenttocompany.wkday.fctr,gCConsent.fctr,Datereceived.wkend,Datesenttocompany.wkend,Channel.fctr,gSPrd.fctr,.clusterid,Datereceived.month.fctr,Datesenttocompany.month.fctr,Datereceived.juliandate,Datesenttocompany.juliandate,Datereceived.date.fctr,Datesenttocompany.date.fctr,Sent.Recd.Dys,Sent.Recd.Dys.root2,Sent.Recd.Dys.log1p,Response.fctr,gSPrd.fctr:.clusterid.fctr
## max.nTuningRuns min.elapsedtime.everything min.elapsedtime.final
## 1 0 14.064 13.543
## max.AUCpROC.fit max.Sens.fit max.Spec.fit max.AUCROCR.fit
## 1 0.9971591 1 0.9943182 0.9999455
## opt.prob.threshold.fit max.f.score.fit max.Accuracy.fit
## 1 0.45 0.9985775 0.9992554
## max.AccuracyLower.fit max.AccuracyUpper.fit max.Kappa.fit
## 1 0.9958584 0.9999811 0.9980732
## min.log.loss.mean.fit max.AUCpROC.OOB max.Sens.OOB max.Spec.OOB
## 1 0.1404484 0.5715312 0.9312977 0.2117647
## max.AUCROCR.OOB opt.prob.threshold.OOB max.f.score.OOB max.Accuracy.OOB
## 1 0.7074458 0.25 0.1604938 0.5543906
## max.AccuracyLower.OOB max.AccuracyUpper.OOB max.Kappa.OOB
## 1 0.5290407 0.5795308 0.06751377
## min.log.loss.mean.OOB
## 1 0.3484781
## [1] "myfit_mdl: exit: 21.709000 secs"
## label step_major step_minor label_minor bgn end
## 4 fit.models_1_All.X 1 3 rf 158.931 180.644
## 5 fit.models_1_All.X 1 4 glmnet 180.645 NA
## elapsed
## 4 21.714
## 5 NA
## [1] "myfit_mdl: enter: 0.001000 secs"
## [1] "myfit_mdl: fitting model: All.X##rcv#glmnet"
## [1] " indepVar: Datereceived.last8.log1p,Datesenttocompany.last8.log1p,Datereceived.last4.log1p,Datesenttocompany.last4.log1p,Datereceived.last2.log1p,Datesenttocompany.last2.log1p,Datereceived.last16.log1p,Datesenttocompany.last16.log1p,Datereceived.last32.log1p,Datesenttocompany.last32.log1p,gCompany.fctr,gTags.fctr,Sent.Recd.Dys.nexp,Rgn.Dvn.fctr,Datereceived.year.fctr,Datesenttocompany.year.fctr,Datereceived.wkday.fctr,Datesenttocompany.wkday.fctr,gCConsent.fctr,Datereceived.wkend,Datesenttocompany.wkend,Channel.fctr,gSPrd.fctr,.clusterid,Datereceived.month.fctr,Datesenttocompany.month.fctr,Datereceived.juliandate,Datesenttocompany.juliandate,Datereceived.date.fctr,Datesenttocompany.date.fctr,Sent.Recd.Dys,Sent.Recd.Dys.root2,Sent.Recd.Dys.log1p,Response.fctr,gSPrd.fctr:.clusterid.fctr"
## [1] "myfit_mdl: setup complete: 0.606000 secs"
## Aggregating results
## Selecting tuning parameters
## Fitting alpha = 0.1, lambda = 0.041 on full training set
## [1] "myfit_mdl: train complete: 12.203000 secs"## Warning in myfit_mdl(mdl_specs_lst = myinit_mdl_specs_lst(mdl_specs_lst
## = list(id.prefix = mdl_id_pfx, : model's bestTune found at an extreme of
## tuneGrid for parameter: alpha## Warning in myfit_mdl(mdl_specs_lst = myinit_mdl_specs_lst(mdl_specs_lst
## = list(id.prefix = mdl_id_pfx, : model's bestTune found at an extreme of
## tuneGrid for parameter: lambda
## Length Class Mode
## a0 85 -none- numeric
## beta 23800 dgCMatrix S4
## df 85 -none- numeric
## dim 2 -none- numeric
## lambda 85 -none- numeric
## dev.ratio 85 -none- numeric
## nulldev 1 -none- numeric
## npasses 1 -none- numeric
## jerr 1 -none- numeric
## offset 1 -none- logical
## classnames 2 -none- character
## call 5 -none- call
## nobs 1 -none- numeric
## lambdaOpt 1 -none- numeric
## xNames 280 -none- character
## problemType 1 -none- character
## tuneValue 2 data.frame list
## obsLevels 2 -none- character
## [1] "min lambda > lambdaOpt:"
## (Intercept)
## -1.2729062063
## Channel.fctrFax
## -1.1238314409
## Channel.fctrPhone
## -0.4335044168
## Channel.fctrPostalmail
## -0.1247046064
## Channel.fctrReferral
## -0.3575373840
## Datereceived.date.fctr(7,13]
## 0.0138660622
## Datereceived.date.fctr(25,31]
## -0.0045701947
## Datereceived.last16.log1p
## 0.0036777894
## Datereceived.last2.log1p
## 0.0171854913
## Datereceived.last4.log1p
## 0.0033940482
## Datereceived.last8.log1p
## 0.0144667413
## Datereceived.month.fctr03
## -0.1357805542
## Datereceived.month.fctr04
## 0.0006634627
## Datereceived.month.fctr05
## 0.1031651953
## Datereceived.month.fctr06
## -0.2922264674
## Datereceived.month.fctr07
## 0.1774799527
## Datereceived.month.fctr08
## 0.0580940505
## Datereceived.month.fctr09
## 0.0990087546
## Datereceived.month.fctr10
## -0.0253843701
## Datereceived.month.fctr11
## -0.1188726475
## Datereceived.month.fctr12
## 0.0462070288
## Datereceived.wkday.fctr1
## 0.0377237257
## Datereceived.wkday.fctr4
## 0.0360744926
## Datereceived.wkday.fctr5
## 0.0359436803
## Datereceived.wkend
## -0.2017407877
## Datereceived.year.fctr2016
## 0.1143279899
## Datesenttocompany.date.fctr(7,13]
## 0.0132907892
## Datesenttocompany.date.fctr(25,31]
## -0.0042237830
## Datesenttocompany.last16.log1p
## 0.0035955211
## Datesenttocompany.last2.log1p
## 0.0170404449
## Datesenttocompany.last4.log1p
## 0.0035021020
## Datesenttocompany.last8.log1p
## 0.0146003297
## Datesenttocompany.month.fctr03
## -0.1354836731
## Datesenttocompany.month.fctr04
## 0.0018923343
## Datesenttocompany.month.fctr05
## 0.1022850576
## Datesenttocompany.month.fctr06
## -0.2915487317
## Datesenttocompany.month.fctr07
## 0.1764275126
## Datesenttocompany.month.fctr08
## 0.0576070565
## Datesenttocompany.month.fctr09
## 0.0985403070
## Datesenttocompany.month.fctr10
## -0.0272126846
## Datesenttocompany.month.fctr11
## -0.1191788599
## Datesenttocompany.month.fctr12
## 0.0457996119
## Datesenttocompany.wkday.fctr1
## 0.0374334015
## Datesenttocompany.wkday.fctr4
## 0.0359818988
## Datesenttocompany.wkday.fctr5
## 0.0356056851
## Datesenttocompany.wkend
## -0.2009570617
## Datesenttocompany.year.fctr2016
## 0.1145117381
## Response.fctrClosedwithmonetaryrelief
## -0.7375448228
## Response.fctrClosedwithnon-monetaryrelief
## -0.6842644884
## Rgn.Dvn.fctrMW#EastNorthCentral
## -0.1977148745
## Rgn.Dvn.fctrMW#WestNorthCentral
## -0.1953184453
## Rgn.Dvn.fctrOT#Other
## -0.0509117407
## Rgn.Dvn.fctrSH#EastSouthCentral
## -0.2394266896
## Rgn.Dvn.fctrWT#Mountain
## 0.0981358671
## Rgn.Dvn.fctrWT#Pacific
## 0.1639856008
## Sent.Recd.Dys
## -0.0028677895
## Sent.Recd.Dys.log1p
## -0.0603585014
## Sent.Recd.Dys.root2
## -0.0292745923
## gCConsent.fctrConsentprovided
## -0.0026557294
## gCConsent.fctrOther
## 0.2138184923
## gCompany.fctrAmex
## 0.5444797476
## gCompany.fctrBlackhawkNetworkHoldingsInc.
## 0.1927516740
## gCompany.fctrCitibank
## 0.1080340590
## gCompany.fctrComerica
## 0.0084522817
## gCompany.fctrNetSpendCorporation,aTSYSCompany
## -0.4750447307
## gCompany.fctrU.S.Bancorp
## -0.0181836119
## gSPrd.fctrMobilewallet
## 0.1471192277
## gSPrd.fctrGiftormerchantcard
## 0.1506824502
## gSPrd.fctrPayrollcard
## -0.2901551483
## gTags.fctrOlderAmerican
## 0.2369040882
## gTags.fctrServicemember
## 0.4774581743
## gSPrd.fctrOther:.clusterid.fctr2
## 0.4582992442
## gSPrd.fctrPayrollcard:.clusterid.fctr2
## 0.0558443659
## gSPrd.fctrIDprepaidcard:.clusterid.fctr2
## -0.1493068868
## gSPrd.fctrMobilewallet:.clusterid.fctr3
## 0.5714798500
## gSPrd.fctrGiftormerchantcard:.clusterid.fctr3
## 0.1914459348
## gSPrd.fctrGeneralpurposecard:.clusterid.fctr3
## -0.1696304617
## gSPrd.fctrOther:.clusterid.fctr4
## -0.4107693220
## [1] "max lambda < lambdaOpt:"
## (Intercept)
## -1.277167822
## Channel.fctrFax
## -1.211482288
## Channel.fctrPhone
## -0.458335625
## Channel.fctrPostalmail
## -0.150246975
## Channel.fctrReferral
## -0.383061355
## Datereceived.date.fctr(7,13]
## 0.015892337
## Datereceived.date.fctr(25,31]
## -0.007232727
## Datereceived.last16.log1p
## 0.003610626
## Datereceived.last2.log1p
## 0.017675123
## Datereceived.last4.log1p
## 0.003154256
## Datereceived.last8.log1p
## 0.014616085
## Datereceived.month.fctr03
## -0.140319862
## Datereceived.month.fctr04
## 0.006950920
## Datereceived.month.fctr05
## 0.109059593
## Datereceived.month.fctr06
## -0.299115916
## Datereceived.month.fctr07
## 0.184623517
## Datereceived.month.fctr08
## 0.064930080
## Datereceived.month.fctr09
## 0.104713100
## Datereceived.month.fctr10
## -0.017763830
## Datereceived.month.fctr11
## -0.119457778
## Datereceived.month.fctr12
## 0.052739722
## Datereceived.wkday.fctr1
## 0.041842575
## Datereceived.wkday.fctr3
## -0.001606317
## Datereceived.wkday.fctr4
## 0.039426295
## Datereceived.wkday.fctr5
## 0.041364845
## Datereceived.wkend
## -0.208821931
## Datereceived.year.fctr2016
## 0.118061271
## Datesenttocompany.date.fctr(7,13]
## 0.015209413
## Datesenttocompany.date.fctr(25,31]
## -0.006848901
## Datesenttocompany.last16.log1p
## 0.003515903
## Datesenttocompany.last2.log1p
## 0.017503638
## Datesenttocompany.last4.log1p
## 0.003299505
## Datesenttocompany.last8.log1p
## 0.014790709
## Datesenttocompany.month.fctr03
## -0.140090093
## Datesenttocompany.month.fctr04
## 0.008187714
## Datesenttocompany.month.fctr05
## 0.107624908
## Datesenttocompany.month.fctr06
## -0.298143008
## Datesenttocompany.month.fctr07
## 0.182998498
## Datesenttocompany.month.fctr08
## 0.064117529
## Datesenttocompany.month.fctr09
## 0.103978791
## Datesenttocompany.month.fctr10
## -0.020101946
## Datesenttocompany.month.fctr11
## -0.119894030
## Datesenttocompany.month.fctr12
## 0.052106059
## Datesenttocompany.wkday.fctr1
## 0.041706695
## Datesenttocompany.wkday.fctr3
## -0.001200813
## Datesenttocompany.wkday.fctr4
## 0.039274315
## Datesenttocompany.wkday.fctr5
## 0.040855932
## Datesenttocompany.wkend
## -0.207991754
## Datesenttocompany.year.fctr2016
## 0.118202632
## Response.fctrClosedwithmonetaryrelief
## -0.762210687
## Response.fctrClosedwithnon-monetaryrelief
## -0.711533861
## Rgn.Dvn.fctrMW#EastNorthCentral
## -0.206063626
## Rgn.Dvn.fctrMW#WestNorthCentral
## -0.207927131
## Rgn.Dvn.fctrOT#Other
## -0.061836131
## Rgn.Dvn.fctrSH#EastSouthCentral
## -0.253729525
## Rgn.Dvn.fctrWT#Mountain
## 0.104464472
## Rgn.Dvn.fctrWT#Pacific
## 0.166513179
## Sent.Recd.Dys
## -0.002977438
## Sent.Recd.Dys.log1p
## -0.059406992
## Sent.Recd.Dys.nexp
## 0.003129449
## Sent.Recd.Dys.root2
## -0.028906492
## gCConsent.fctrConsentprovided
## -0.012951363
## gCConsent.fctrOther
## 0.217857745
## gCompany.fctrAmex
## 0.555728794
## gCompany.fctrBlackhawkNetworkHoldingsInc.
## 0.202929073
## gCompany.fctrCitibank
## 0.111047844
## gCompany.fctrComerica
## 0.019101704
## gCompany.fctrNetSpendCorporation,aTSYSCompany
## -0.492599205
## gCompany.fctrU.S.Bancorp
## -0.026011951
## gSPrd.fctrMobilewallet
## 0.156206823
## gSPrd.fctrGiftormerchantcard
## 0.158610652
## gSPrd.fctrPayrollcard
## -0.303985451
## gTags.fctrOlderAmerican
## 0.249158984
## gTags.fctrServicemember
## 0.496214533
## gSPrd.fctrOther:.clusterid.fctr2
## 0.483439729
## gSPrd.fctrPayrollcard:.clusterid.fctr2
## 0.098360332
## gSPrd.fctrIDprepaidcard:.clusterid.fctr2
## -0.173766997
## gSPrd.fctrMobilewallet:.clusterid.fctr3
## 0.593974113
## gSPrd.fctrGiftormerchantcard:.clusterid.fctr3
## 0.216370005
## gSPrd.fctrGeneralpurposecard:.clusterid.fctr3
## -0.171743322
## gSPrd.fctrOther:.clusterid.fctr4
## -0.460046003
## [1] "myfit_mdl: train diagnostics complete: 12.614000 secs"
## Prediction
## Reference N Y
## N 713 278
## Y 113 239
## Accuracy Kappa AccuracyLower AccuracyUpper AccuracyNull
## 7.088608e-01 3.461416e-01 6.837536e-01 7.330505e-01 7.379002e-01
## AccuracyPValue McnemarPValue
## 9.924042e-01 1.096532e-16
## Prediction
## Reference N Y
## N 856 585
## Y 21 64
## Accuracy Kappa AccuracyLower AccuracyUpper AccuracyNull
## 6.028834e-01 8.417694e-02 5.778272e-01 6.275427e-01 9.442988e-01
## AccuracyPValue McnemarPValue
## 1.000000e+00 9.177542e-116
## [1] "myfit_mdl: predict complete: 19.050000 secs"
## id
## 1 All.X##rcv#glmnet
## feats
## 1 Datereceived.last8.log1p,Datesenttocompany.last8.log1p,Datereceived.last4.log1p,Datesenttocompany.last4.log1p,Datereceived.last2.log1p,Datesenttocompany.last2.log1p,Datereceived.last16.log1p,Datesenttocompany.last16.log1p,Datereceived.last32.log1p,Datesenttocompany.last32.log1p,gCompany.fctr,gTags.fctr,Sent.Recd.Dys.nexp,Rgn.Dvn.fctr,Datereceived.year.fctr,Datesenttocompany.year.fctr,Datereceived.wkday.fctr,Datesenttocompany.wkday.fctr,gCConsent.fctr,Datereceived.wkend,Datesenttocompany.wkend,Channel.fctr,gSPrd.fctr,.clusterid,Datereceived.month.fctr,Datesenttocompany.month.fctr,Datereceived.juliandate,Datesenttocompany.juliandate,Datereceived.date.fctr,Datesenttocompany.date.fctr,Sent.Recd.Dys,Sent.Recd.Dys.root2,Sent.Recd.Dys.log1p,Response.fctr,gSPrd.fctr:.clusterid.fctr
## max.nTuningRuns min.elapsedtime.everything min.elapsedtime.final
## 1 25 11.569 0.235
## max.AUCpROC.fit max.Sens.fit max.Spec.fit max.AUCROCR.fit
## 1 0.5883319 0.9778002 0.1988636 0.7756671
## opt.prob.threshold.fit max.f.score.fit max.Accuracy.fit
## 1 0.3 0.5500575 0.7552798
## max.AccuracyLower.fit max.AccuracyUpper.fit max.Kappa.fit
## 1 0.6837536 0.7330505 0.1799334
## min.log.loss.mean.fit max.AUCpROC.OOB max.Sens.OOB max.Spec.OOB
## 1 0.4803487 0.5895416 0.943789 0.2352941
## max.AUCROCR.OOB opt.prob.threshold.OOB max.f.score.OOB max.Accuracy.OOB
## 1 0.7250398 0.25 0.1743869 0.6028834
## max.AccuracyLower.OOB max.AccuracyUpper.OOB max.Kappa.OOB
## 1 0.5778272 0.6275427 0.08417694
## min.log.loss.mean.OOB max.AccuracySD.fit max.KappaSD.fit
## 1 0.3330839 0.01522024 0.0561755
## [1] "myfit_mdl: exit: 19.151000 secs"
## label step_major step_minor label_minor bgn end
## 5 fit.models_1_All.X 1 4 glmnet 180.645 199.801
## 6 fit.models_1_All.X 1 5 glm 199.802 NA
## elapsed
## 5 19.157
## 6 NA
## [1] "myfit_mdl: enter: 0.001000 secs"
## [1] "myfit_mdl: fitting model: All.X##rcv#glm"
## [1] " indepVar: Datereceived.last8.log1p,Datesenttocompany.last8.log1p,Datereceived.last4.log1p,Datesenttocompany.last4.log1p,Datereceived.last2.log1p,Datesenttocompany.last2.log1p,Datereceived.last16.log1p,Datesenttocompany.last16.log1p,Datereceived.last32.log1p,Datesenttocompany.last32.log1p,gCompany.fctr,gTags.fctr,Sent.Recd.Dys.nexp,Rgn.Dvn.fctr,Datereceived.year.fctr,Datesenttocompany.year.fctr,Datereceived.wkday.fctr,Datesenttocompany.wkday.fctr,gCConsent.fctr,Datereceived.wkend,Datesenttocompany.wkend,Channel.fctr,gSPrd.fctr,.clusterid,Datereceived.month.fctr,Datesenttocompany.month.fctr,Datereceived.juliandate,Datesenttocompany.juliandate,Datereceived.date.fctr,Datesenttocompany.date.fctr,Sent.Recd.Dys,Sent.Recd.Dys.root2,Sent.Recd.Dys.log1p,Response.fctr,gSPrd.fctr:.clusterid.fctr"
## [1] "myfit_mdl: setup complete: 0.603000 secs"
## Aggregating results
## Fitting final model on full training set## Warning: glm.fit: algorithm did not converge
## [1] "myfit_mdl: train complete: 29.604000 secs"
## parameter
## 1 none
##
## Call:
## NULL
##
## Deviance Residuals:
## Min 1Q Median 3Q Max
## -1.9614 -0.7837 -0.4362 0.6413 2.8470
##
## Coefficients: (197 not defined because of singularities)
## Estimate
## (Intercept) 2.250e+13
## .clusterid -2.250e+13
## Channel.fctrFax -8.944e+00
## Channel.fctrPhone -1.380e+00
## Channel.fctrPostalmail -1.029e+00
## Channel.fctrReferral -1.311e+00
## `Datereceived.date.fctr(7,13]` 1.189e-01
## `Datereceived.date.fctr(13,19]` -1.257e-02
## `Datereceived.date.fctr(19,25]` -5.127e-03
## `Datereceived.date.fctr(25,31]` -1.545e-01
## Datereceived.juliandate 6.088e-03
## Datereceived.last16.log1p 3.098e-02
## Datereceived.last2.log1p 5.359e-02
## Datereceived.last32.log1p -5.722e-03
## Datereceived.last4.log1p -1.738e-04
## Datereceived.last8.log1p 4.807e-02
## Datereceived.month.fctr02 -4.005e-01
## Datereceived.month.fctr03 -7.920e-01
## Datereceived.month.fctr04 -1.780e-01
## Datereceived.month.fctr05 -1.155e-01
## Datereceived.month.fctr06 -1.446e+00
## Datereceived.month.fctr07 -2.020e-01
## Datereceived.month.fctr08 -6.199e-01
## Datereceived.month.fctr09 -7.892e-01
## Datereceived.month.fctr10 -9.941e-01
## Datereceived.month.fctr11 -1.614e+00
## Datereceived.month.fctr12 -1.348e+00
## Datereceived.wkday.fctr1 1.252e+00
## Datereceived.wkday.fctr2 1.047e+00
## Datereceived.wkday.fctr3 9.916e-01
## Datereceived.wkday.fctr4 1.229e+00
## Datereceived.wkday.fctr5 1.321e+00
## Datereceived.wkday.fctr6 5.785e-01
## Datereceived.wkend NA
## Datereceived.year.fctr2015 7.165e-01
## Datereceived.year.fctr2016 1.122e+00
## `Datesenttocompany.date.fctr(7,13]` NA
## `Datesenttocompany.date.fctr(13,19]` NA
## `Datesenttocompany.date.fctr(19,25]` NA
## `Datesenttocompany.date.fctr(25,31]` NA
## Datesenttocompany.juliandate NA
## Datesenttocompany.last16.log1p NA
## Datesenttocompany.last2.log1p NA
## Datesenttocompany.last32.log1p NA
## Datesenttocompany.last4.log1p NA
## Datesenttocompany.last8.log1p NA
## Datesenttocompany.month.fctr02 NA
## Datesenttocompany.month.fctr03 NA
## Datesenttocompany.month.fctr04 NA
## Datesenttocompany.month.fctr05 NA
## Datesenttocompany.month.fctr06 NA
## Datesenttocompany.month.fctr07 NA
## Datesenttocompany.month.fctr08 NA
## Datesenttocompany.month.fctr09 NA
## Datesenttocompany.month.fctr10 NA
## Datesenttocompany.month.fctr11 NA
## Datesenttocompany.month.fctr12 NA
## Datesenttocompany.wkday.fctr1 NA
## Datesenttocompany.wkday.fctr2 NA
## Datesenttocompany.wkday.fctr3 NA
## Datesenttocompany.wkday.fctr4 NA
## Datesenttocompany.wkday.fctr5 NA
## Datesenttocompany.wkday.fctr6 NA
## Datesenttocompany.wkend NA
## Datesenttocompany.year.fctr2015 NA
## Datesenttocompany.year.fctr2016 NA
## Response.fctrClosed -2.560e-01
## Response.fctrClosedwithmonetaryrelief -1.190e+00
## `Response.fctrClosedwithnon-monetaryrelief` -1.232e+00
## Response.fctrInprogress NA
## Response.fctrUntimelyresponse NA
## `Rgn.Dvn.fctrMW#EastNorthCentral` -3.660e-01
## `Rgn.Dvn.fctrMW#WestNorthCentral` -4.321e-01
## `Rgn.Dvn.fctrMW#WestNorthCentral#MidAtlantic` -4.217e-03
## `Rgn.Dvn.fctrMW#WestNorthCentral#NewEngland` -1.685e-01
## `Rgn.Dvn.fctrOT#Other` -1.576e-01
## `Rgn.Dvn.fctrSH#EastSouthCentral` -5.238e-01
## `Rgn.Dvn.fctrSH#WestSouthCentral` 4.543e-02
## `Rgn.Dvn.fctrWT#Mountain` 1.851e-01
## `Rgn.Dvn.fctrWT#Pacific` 1.618e-01
## Sent.Recd.Dys -1.098e-01
## Sent.Recd.Dys.log1p -2.257e+00
## Sent.Recd.Dys.nexp -2.163e-01
## Sent.Recd.Dys.root2 1.941e+00
## gCConsent.fctrConsentnotprovided -6.389e-01
## gCConsent.fctrConsentprovided -7.822e-01
## gCConsent.fctrOther -3.857e-01
## gCompany.fctrAmex 8.862e-01
## gCompany.fctrBlackhawkNetworkHoldingsInc. 5.052e-01
## gCompany.fctrCitibank 2.848e-01
## gCompany.fctrComerica 2.846e-01
## `gCompany.fctrNetSpendCorporation,aTSYSCompany` -6.742e-01
## gCompany.fctrOther 9.438e-02
## `gCompany.fctrPayPalHoldings,Inc.` 2.747e-01
## gCompany.fctrU.S.Bancorp 7.305e-02
## gSPrd.fctrVehicleloan NA
## gSPrd.fctrCheckingaccount NA
## gSPrd.fctrConventionalfixedmortgage NA
## `gSPrd.fctrOther(i.e.phone,healthclub,etc.)` NA
## gSPrd.fctrIdonotknow NA
## gSPrd.fctr NA
## gSPrd.fctrOthermortgage NA
## gSPrd.fctrCreditcard NA
## `gSPrd.fctrConventionaladjustablemortgage(ARM)` NA
## `gSPrd.fctrOtherbankproduct/service` NA
## `gSPrd.fctrNon-federalstudentloan` NA
## gSPrd.fctrFHAmortgage NA
## `gSPrd.fctr(CD)Certificateofdeposit` NA
## gSPrd.fctrHomeequityloanorlineofcredit NA
## gSPrd.fctrVehiclelease NA
## gSPrd.fctrSavingsaccount NA
## gSPrd.fctrFederalstudentloan NA
## gSPrd.fctrMortgage NA
## gSPrd.fctrReversemortgage NA
## gSPrd.fctrAuto NA
## gSPrd.fctrInstallmentloan NA
## gSPrd.fctrMedical NA
## gSPrd.fctrVAmortgage NA
## `gSPrd.fctrDomestic(US)moneytransfer` NA
## gSPrd.fctrInternationalmoneytransfer NA
## gSPrd.fctrPersonallineofcredit NA
## gSPrd.fctrSecondmortgage NA
## gSPrd.fctrCashingacheckwithoutanaccount NA
## gSPrd.fctrPaydayloan NA
## gSPrd.fctrCheckcashing NA
## gSPrd.fctrMobilewallet 2.478e-01
## gSPrd.fctrGovernmentbenefitpaymentcard 7.608e-02
## gSPrd.fctrGiftormerchantcard 2.487e-01
## gSPrd.fctrGeneralpurposecard -1.063e-02
## gSPrd.fctrTitleloan NA
## gSPrd.fctrForeigncurrencyexchange NA
## gSPrd.fctrRefundanticipationcheck NA
## gSPrd.fctrDebtsettlement NA
## gSPrd.fctrPayrollcard -6.043e-01
## gSPrd.fctrIDprepaidcard -1.756e-01
## gSPrd.fctrCreditrepair NA
## gSPrd.fctrPawnloan NA
## gSPrd.fctrMoneyorder NA
## `gSPrd.fctrTraveler\\342\\200\\231s/Cashier\\342\\200\\231schecks` NA
## gSPrd.fctrFederalstudentloanservicing NA
## gTags.fctrOlderAmerican 3.930e-01
## gTags.fctrOlderAmericanServicemember -5.407e-02
## gTags.fctrServicemember 8.180e-01
## `gSPrd.fctrOther:.clusterid.fctr2` 2.250e+13
## `gSPrd.fctrVehicleloan:.clusterid.fctr2` NA
## `gSPrd.fctrCheckingaccount:.clusterid.fctr2` NA
## `gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr2` NA
## `gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr2` NA
## `gSPrd.fctrIdonotknow:.clusterid.fctr2` NA
## `gSPrd.fctr:.clusterid.fctr2` NA
## `gSPrd.fctrOthermortgage:.clusterid.fctr2` NA
## `gSPrd.fctrCreditcard:.clusterid.fctr2` NA
## `gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr2` NA
## `gSPrd.fctrOtherbankproduct/service:.clusterid.fctr2` NA
## `gSPrd.fctrNon-federalstudentloan:.clusterid.fctr2` NA
## `gSPrd.fctrFHAmortgage:.clusterid.fctr2` NA
## `gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr2` NA
## `gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr2` NA
## `gSPrd.fctrVehiclelease:.clusterid.fctr2` NA
## `gSPrd.fctrSavingsaccount:.clusterid.fctr2` NA
## `gSPrd.fctrFederalstudentloan:.clusterid.fctr2` NA
## `gSPrd.fctrMortgage:.clusterid.fctr2` NA
## `gSPrd.fctrReversemortgage:.clusterid.fctr2` NA
## `gSPrd.fctrAuto:.clusterid.fctr2` NA
## `gSPrd.fctrInstallmentloan:.clusterid.fctr2` NA
## `gSPrd.fctrMedical:.clusterid.fctr2` NA
## `gSPrd.fctrVAmortgage:.clusterid.fctr2` NA
## `gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr2` NA
## `gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr2` NA
## `gSPrd.fctrPersonallineofcredit:.clusterid.fctr2` NA
## `gSPrd.fctrSecondmortgage:.clusterid.fctr2` NA
## `gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr2` NA
## `gSPrd.fctrPaydayloan:.clusterid.fctr2` NA
## `gSPrd.fctrCheckcashing:.clusterid.fctr2` NA
## `gSPrd.fctrMobilewallet:.clusterid.fctr2` 2.250e+13
## `gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr2` 2.250e+13
## `gSPrd.fctrGiftormerchantcard:.clusterid.fctr2` 2.250e+13
## `gSPrd.fctrGeneralpurposecard:.clusterid.fctr2` 2.250e+13
## `gSPrd.fctrTitleloan:.clusterid.fctr2` NA
## `gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr2` NA
## `gSPrd.fctrRefundanticipationcheck:.clusterid.fctr2` NA
## `gSPrd.fctrDebtsettlement:.clusterid.fctr2` NA
## `gSPrd.fctrPayrollcard:.clusterid.fctr2` 2.250e+13
## `gSPrd.fctrIDprepaidcard:.clusterid.fctr2` 2.250e+13
## `gSPrd.fctrCreditrepair:.clusterid.fctr2` NA
## `gSPrd.fctrPawnloan:.clusterid.fctr2` NA
## `gSPrd.fctrMoneyorder:.clusterid.fctr2` NA
## `gSPrd.fctrTraveler\\342\\200\\231s/Cashier\\342\\200\\231schecks:.clusterid.fctr2` NA
## `gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr2` NA
## `gSPrd.fctrOther:.clusterid.fctr3` 4.499e+13
## `gSPrd.fctrVehicleloan:.clusterid.fctr3` NA
## `gSPrd.fctrCheckingaccount:.clusterid.fctr3` NA
## `gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr3` NA
## `gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr3` NA
## `gSPrd.fctrIdonotknow:.clusterid.fctr3` NA
## `gSPrd.fctr:.clusterid.fctr3` NA
## `gSPrd.fctrOthermortgage:.clusterid.fctr3` NA
## `gSPrd.fctrCreditcard:.clusterid.fctr3` NA
## `gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr3` NA
## `gSPrd.fctrOtherbankproduct/service:.clusterid.fctr3` NA
## `gSPrd.fctrNon-federalstudentloan:.clusterid.fctr3` NA
## `gSPrd.fctrFHAmortgage:.clusterid.fctr3` NA
## `gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr3` NA
## `gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr3` NA
## `gSPrd.fctrVehiclelease:.clusterid.fctr3` NA
## `gSPrd.fctrSavingsaccount:.clusterid.fctr3` NA
## `gSPrd.fctrFederalstudentloan:.clusterid.fctr3` NA
## `gSPrd.fctrMortgage:.clusterid.fctr3` NA
## `gSPrd.fctrReversemortgage:.clusterid.fctr3` NA
## `gSPrd.fctrAuto:.clusterid.fctr3` NA
## `gSPrd.fctrInstallmentloan:.clusterid.fctr3` NA
## `gSPrd.fctrMedical:.clusterid.fctr3` NA
## `gSPrd.fctrVAmortgage:.clusterid.fctr3` NA
## `gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr3` NA
## `gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr3` NA
## `gSPrd.fctrPersonallineofcredit:.clusterid.fctr3` NA
## `gSPrd.fctrSecondmortgage:.clusterid.fctr3` NA
## `gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr3` NA
## `gSPrd.fctrPaydayloan:.clusterid.fctr3` NA
## `gSPrd.fctrCheckcashing:.clusterid.fctr3` NA
## `gSPrd.fctrMobilewallet:.clusterid.fctr3` 4.499e+13
## `gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr3` NA
## `gSPrd.fctrGiftormerchantcard:.clusterid.fctr3` 4.499e+13
## `gSPrd.fctrGeneralpurposecard:.clusterid.fctr3` 4.499e+13
## `gSPrd.fctrTitleloan:.clusterid.fctr3` NA
## `gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr3` NA
## `gSPrd.fctrRefundanticipationcheck:.clusterid.fctr3` NA
## `gSPrd.fctrDebtsettlement:.clusterid.fctr3` NA
## `gSPrd.fctrPayrollcard:.clusterid.fctr3` NA
## `gSPrd.fctrIDprepaidcard:.clusterid.fctr3` 4.499e+13
## `gSPrd.fctrCreditrepair:.clusterid.fctr3` NA
## `gSPrd.fctrPawnloan:.clusterid.fctr3` NA
## `gSPrd.fctrMoneyorder:.clusterid.fctr3` NA
## `gSPrd.fctrTraveler\\342\\200\\231s/Cashier\\342\\200\\231schecks:.clusterid.fctr3` NA
## `gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr3` NA
## `gSPrd.fctrOther:.clusterid.fctr4` 6.749e+13
## `gSPrd.fctrVehicleloan:.clusterid.fctr4` NA
## `gSPrd.fctrCheckingaccount:.clusterid.fctr4` NA
## `gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr4` NA
## `gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr4` NA
## `gSPrd.fctrIdonotknow:.clusterid.fctr4` NA
## `gSPrd.fctr:.clusterid.fctr4` NA
## `gSPrd.fctrOthermortgage:.clusterid.fctr4` NA
## `gSPrd.fctrCreditcard:.clusterid.fctr4` NA
## `gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr4` NA
## `gSPrd.fctrOtherbankproduct/service:.clusterid.fctr4` NA
## `gSPrd.fctrNon-federalstudentloan:.clusterid.fctr4` NA
## `gSPrd.fctrFHAmortgage:.clusterid.fctr4` NA
## `gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr4` NA
## `gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr4` NA
## `gSPrd.fctrVehiclelease:.clusterid.fctr4` NA
## `gSPrd.fctrSavingsaccount:.clusterid.fctr4` NA
## `gSPrd.fctrFederalstudentloan:.clusterid.fctr4` NA
## `gSPrd.fctrMortgage:.clusterid.fctr4` NA
## `gSPrd.fctrReversemortgage:.clusterid.fctr4` NA
## `gSPrd.fctrAuto:.clusterid.fctr4` NA
## `gSPrd.fctrInstallmentloan:.clusterid.fctr4` NA
## `gSPrd.fctrMedical:.clusterid.fctr4` NA
## `gSPrd.fctrVAmortgage:.clusterid.fctr4` NA
## `gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr4` NA
## `gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr4` NA
## `gSPrd.fctrPersonallineofcredit:.clusterid.fctr4` NA
## `gSPrd.fctrSecondmortgage:.clusterid.fctr4` NA
## `gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr4` NA
## `gSPrd.fctrPaydayloan:.clusterid.fctr4` NA
## `gSPrd.fctrCheckcashing:.clusterid.fctr4` NA
## `gSPrd.fctrMobilewallet:.clusterid.fctr4` NA
## `gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr4` NA
## `gSPrd.fctrGiftormerchantcard:.clusterid.fctr4` NA
## `gSPrd.fctrGeneralpurposecard:.clusterid.fctr4` NA
## `gSPrd.fctrTitleloan:.clusterid.fctr4` NA
## `gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr4` NA
## `gSPrd.fctrRefundanticipationcheck:.clusterid.fctr4` NA
## `gSPrd.fctrDebtsettlement:.clusterid.fctr4` NA
## `gSPrd.fctrPayrollcard:.clusterid.fctr4` NA
## `gSPrd.fctrIDprepaidcard:.clusterid.fctr4` NA
## `gSPrd.fctrCreditrepair:.clusterid.fctr4` NA
## `gSPrd.fctrPawnloan:.clusterid.fctr4` NA
## `gSPrd.fctrMoneyorder:.clusterid.fctr4` NA
## `gSPrd.fctrTraveler\\342\\200\\231s/Cashier\\342\\200\\231schecks:.clusterid.fctr4` NA
## `gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr4` NA
## Std. Error
## (Intercept) 2.068e+13
## .clusterid 2.068e+13
## Channel.fctrFax 2.460e+01
## Channel.fctrPhone 3.358e-01
## Channel.fctrPostalmail 4.801e-01
## Channel.fctrReferral 3.247e-01
## `Datereceived.date.fctr(7,13]` 3.533e-01
## `Datereceived.date.fctr(13,19]` 5.745e-01
## `Datereceived.date.fctr(19,25]` 8.067e-01
## `Datereceived.date.fctr(25,31]` 1.051e+00
## Datereceived.juliandate 4.177e-02
## Datereceived.last16.log1p 6.351e-02
## Datereceived.last2.log1p 1.669e-02
## Datereceived.last32.log1p 5.563e-02
## Datereceived.last4.log1p 2.254e-02
## Datereceived.last8.log1p 4.784e-02
## Datereceived.month.fctr02 1.374e+00
## Datereceived.month.fctr03 2.518e+00
## Datereceived.month.fctr04 3.776e+00
## Datereceived.month.fctr05 5.040e+00
## Datereceived.month.fctr06 6.337e+00
## Datereceived.month.fctr07 7.578e+00
## Datereceived.month.fctr08 8.884e+00
## Datereceived.month.fctr09 1.015e+01
## Datereceived.month.fctr10 1.141e+01
## Datereceived.month.fctr11 1.272e+01
## Datereceived.month.fctr12 1.396e+01
## Datereceived.wkday.fctr1 3.939e-01
## Datereceived.wkday.fctr2 3.889e-01
## Datereceived.wkday.fctr3 3.872e-01
## Datereceived.wkday.fctr4 3.916e-01
## Datereceived.wkday.fctr5 3.995e-01
## Datereceived.wkday.fctr6 4.237e-01
## Datereceived.wkend NA
## Datereceived.year.fctr2015 3.083e-01
## Datereceived.year.fctr2016 3.747e-01
## `Datesenttocompany.date.fctr(7,13]` NA
## `Datesenttocompany.date.fctr(13,19]` NA
## `Datesenttocompany.date.fctr(19,25]` NA
## `Datesenttocompany.date.fctr(25,31]` NA
## Datesenttocompany.juliandate NA
## Datesenttocompany.last16.log1p NA
## Datesenttocompany.last2.log1p NA
## Datesenttocompany.last32.log1p NA
## Datesenttocompany.last4.log1p NA
## Datesenttocompany.last8.log1p NA
## Datesenttocompany.month.fctr02 NA
## Datesenttocompany.month.fctr03 NA
## Datesenttocompany.month.fctr04 NA
## Datesenttocompany.month.fctr05 NA
## Datesenttocompany.month.fctr06 NA
## Datesenttocompany.month.fctr07 NA
## Datesenttocompany.month.fctr08 NA
## Datesenttocompany.month.fctr09 NA
## Datesenttocompany.month.fctr10 NA
## Datesenttocompany.month.fctr11 NA
## Datesenttocompany.month.fctr12 NA
## Datesenttocompany.wkday.fctr1 NA
## Datesenttocompany.wkday.fctr2 NA
## Datesenttocompany.wkday.fctr3 NA
## Datesenttocompany.wkday.fctr4 NA
## Datesenttocompany.wkday.fctr5 NA
## Datesenttocompany.wkday.fctr6 NA
## Datesenttocompany.wkend NA
## Datesenttocompany.year.fctr2015 NA
## Datesenttocompany.year.fctr2016 NA
## Response.fctrClosed 7.582e-01
## Response.fctrClosedwithmonetaryrelief 1.920e-01
## `Response.fctrClosedwithnon-monetaryrelief` 3.008e-01
## Response.fctrInprogress NA
## Response.fctrUntimelyresponse NA
## `Rgn.Dvn.fctrMW#EastNorthCentral` 2.618e-01
## `Rgn.Dvn.fctrMW#WestNorthCentral` 4.345e-01
## `Rgn.Dvn.fctrMW#WestNorthCentral#MidAtlantic` 2.437e-01
## `Rgn.Dvn.fctrMW#WestNorthCentral#NewEngland` 3.510e-01
## `Rgn.Dvn.fctrOT#Other` 6.177e-01
## `Rgn.Dvn.fctrSH#EastSouthCentral` 4.449e-01
## `Rgn.Dvn.fctrSH#WestSouthCentral` 2.728e-01
## `Rgn.Dvn.fctrWT#Mountain` 3.022e-01
## `Rgn.Dvn.fctrWT#Pacific` 2.218e-01
## Sent.Recd.Dys 2.127e-01
## Sent.Recd.Dys.log1p 4.367e+00
## Sent.Recd.Dys.nexp 7.891e-01
## Sent.Recd.Dys.root2 3.859e+00
## gCConsent.fctrConsentnotprovided 3.148e-01
## gCConsent.fctrConsentprovided 2.913e-01
## gCConsent.fctrOther 4.754e-01
## gCompany.fctrAmex 3.503e-01
## gCompany.fctrBlackhawkNetworkHoldingsInc. 4.198e-01
## gCompany.fctrCitibank 4.372e-01
## gCompany.fctrComerica 5.438e-01
## `gCompany.fctrNetSpendCorporation,aTSYSCompany` 3.988e-01
## gCompany.fctrOther 3.724e-01
## `gCompany.fctrPayPalHoldings,Inc.` 4.290e-01
## gCompany.fctrU.S.Bancorp 4.171e-01
## gSPrd.fctrVehicleloan NA
## gSPrd.fctrCheckingaccount NA
## gSPrd.fctrConventionalfixedmortgage NA
## `gSPrd.fctrOther(i.e.phone,healthclub,etc.)` NA
## gSPrd.fctrIdonotknow NA
## gSPrd.fctr NA
## gSPrd.fctrOthermortgage NA
## gSPrd.fctrCreditcard NA
## `gSPrd.fctrConventionaladjustablemortgage(ARM)` NA
## `gSPrd.fctrOtherbankproduct/service` NA
## `gSPrd.fctrNon-federalstudentloan` NA
## gSPrd.fctrFHAmortgage NA
## `gSPrd.fctr(CD)Certificateofdeposit` NA
## gSPrd.fctrHomeequityloanorlineofcredit NA
## gSPrd.fctrVehiclelease NA
## gSPrd.fctrSavingsaccount NA
## gSPrd.fctrFederalstudentloan NA
## gSPrd.fctrMortgage NA
## gSPrd.fctrReversemortgage NA
## gSPrd.fctrAuto NA
## gSPrd.fctrInstallmentloan NA
## gSPrd.fctrMedical NA
## gSPrd.fctrVAmortgage NA
## `gSPrd.fctrDomestic(US)moneytransfer` NA
## gSPrd.fctrInternationalmoneytransfer NA
## gSPrd.fctrPersonallineofcredit NA
## gSPrd.fctrSecondmortgage NA
## gSPrd.fctrCashingacheckwithoutanaccount NA
## gSPrd.fctrPaydayloan NA
## gSPrd.fctrCheckcashing NA
## gSPrd.fctrMobilewallet 5.261e-01
## gSPrd.fctrGovernmentbenefitpaymentcard 6.091e-01
## gSPrd.fctrGiftormerchantcard 4.995e-01
## gSPrd.fctrGeneralpurposecard 4.577e-01
## gSPrd.fctrTitleloan NA
## gSPrd.fctrForeigncurrencyexchange NA
## gSPrd.fctrRefundanticipationcheck NA
## gSPrd.fctrDebtsettlement NA
## gSPrd.fctrPayrollcard 5.465e-01
## gSPrd.fctrIDprepaidcard 5.927e-01
## gSPrd.fctrCreditrepair NA
## gSPrd.fctrPawnloan NA
## gSPrd.fctrMoneyorder NA
## `gSPrd.fctrTraveler\\342\\200\\231s/Cashier\\342\\200\\231schecks` NA
## gSPrd.fctrFederalstudentloanservicing NA
## gTags.fctrOlderAmerican 3.228e-01
## gTags.fctrOlderAmericanServicemember 5.894e-01
## gTags.fctrServicemember 2.689e-01
## `gSPrd.fctrOther:.clusterid.fctr2` 2.068e+13
## `gSPrd.fctrVehicleloan:.clusterid.fctr2` NA
## `gSPrd.fctrCheckingaccount:.clusterid.fctr2` NA
## `gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr2` NA
## `gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr2` NA
## `gSPrd.fctrIdonotknow:.clusterid.fctr2` NA
## `gSPrd.fctr:.clusterid.fctr2` NA
## `gSPrd.fctrOthermortgage:.clusterid.fctr2` NA
## `gSPrd.fctrCreditcard:.clusterid.fctr2` NA
## `gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr2` NA
## `gSPrd.fctrOtherbankproduct/service:.clusterid.fctr2` NA
## `gSPrd.fctrNon-federalstudentloan:.clusterid.fctr2` NA
## `gSPrd.fctrFHAmortgage:.clusterid.fctr2` NA
## `gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr2` NA
## `gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr2` NA
## `gSPrd.fctrVehiclelease:.clusterid.fctr2` NA
## `gSPrd.fctrSavingsaccount:.clusterid.fctr2` NA
## `gSPrd.fctrFederalstudentloan:.clusterid.fctr2` NA
## `gSPrd.fctrMortgage:.clusterid.fctr2` NA
## `gSPrd.fctrReversemortgage:.clusterid.fctr2` NA
## `gSPrd.fctrAuto:.clusterid.fctr2` NA
## `gSPrd.fctrInstallmentloan:.clusterid.fctr2` NA
## `gSPrd.fctrMedical:.clusterid.fctr2` NA
## `gSPrd.fctrVAmortgage:.clusterid.fctr2` NA
## `gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr2` NA
## `gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr2` NA
## `gSPrd.fctrPersonallineofcredit:.clusterid.fctr2` NA
## `gSPrd.fctrSecondmortgage:.clusterid.fctr2` NA
## `gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr2` NA
## `gSPrd.fctrPaydayloan:.clusterid.fctr2` NA
## `gSPrd.fctrCheckcashing:.clusterid.fctr2` NA
## `gSPrd.fctrMobilewallet:.clusterid.fctr2` 2.068e+13
## `gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr2` 2.068e+13
## `gSPrd.fctrGiftormerchantcard:.clusterid.fctr2` 2.068e+13
## `gSPrd.fctrGeneralpurposecard:.clusterid.fctr2` 2.068e+13
## `gSPrd.fctrTitleloan:.clusterid.fctr2` NA
## `gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr2` NA
## `gSPrd.fctrRefundanticipationcheck:.clusterid.fctr2` NA
## `gSPrd.fctrDebtsettlement:.clusterid.fctr2` NA
## `gSPrd.fctrPayrollcard:.clusterid.fctr2` 2.068e+13
## `gSPrd.fctrIDprepaidcard:.clusterid.fctr2` 2.068e+13
## `gSPrd.fctrCreditrepair:.clusterid.fctr2` NA
## `gSPrd.fctrPawnloan:.clusterid.fctr2` NA
## `gSPrd.fctrMoneyorder:.clusterid.fctr2` NA
## `gSPrd.fctrTraveler\\342\\200\\231s/Cashier\\342\\200\\231schecks:.clusterid.fctr2` NA
## `gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr2` NA
## `gSPrd.fctrOther:.clusterid.fctr3` 4.135e+13
## `gSPrd.fctrVehicleloan:.clusterid.fctr3` NA
## `gSPrd.fctrCheckingaccount:.clusterid.fctr3` NA
## `gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr3` NA
## `gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr3` NA
## `gSPrd.fctrIdonotknow:.clusterid.fctr3` NA
## `gSPrd.fctr:.clusterid.fctr3` NA
## `gSPrd.fctrOthermortgage:.clusterid.fctr3` NA
## `gSPrd.fctrCreditcard:.clusterid.fctr3` NA
## `gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr3` NA
## `gSPrd.fctrOtherbankproduct/service:.clusterid.fctr3` NA
## `gSPrd.fctrNon-federalstudentloan:.clusterid.fctr3` NA
## `gSPrd.fctrFHAmortgage:.clusterid.fctr3` NA
## `gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr3` NA
## `gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr3` NA
## `gSPrd.fctrVehiclelease:.clusterid.fctr3` NA
## `gSPrd.fctrSavingsaccount:.clusterid.fctr3` NA
## `gSPrd.fctrFederalstudentloan:.clusterid.fctr3` NA
## `gSPrd.fctrMortgage:.clusterid.fctr3` NA
## `gSPrd.fctrReversemortgage:.clusterid.fctr3` NA
## `gSPrd.fctrAuto:.clusterid.fctr3` NA
## `gSPrd.fctrInstallmentloan:.clusterid.fctr3` NA
## `gSPrd.fctrMedical:.clusterid.fctr3` NA
## `gSPrd.fctrVAmortgage:.clusterid.fctr3` NA
## `gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr3` NA
## `gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr3` NA
## `gSPrd.fctrPersonallineofcredit:.clusterid.fctr3` NA
## `gSPrd.fctrSecondmortgage:.clusterid.fctr3` NA
## `gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr3` NA
## `gSPrd.fctrPaydayloan:.clusterid.fctr3` NA
## `gSPrd.fctrCheckcashing:.clusterid.fctr3` NA
## `gSPrd.fctrMobilewallet:.clusterid.fctr3` 4.135e+13
## `gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr3` NA
## `gSPrd.fctrGiftormerchantcard:.clusterid.fctr3` 4.135e+13
## `gSPrd.fctrGeneralpurposecard:.clusterid.fctr3` 4.135e+13
## `gSPrd.fctrTitleloan:.clusterid.fctr3` NA
## `gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr3` NA
## `gSPrd.fctrRefundanticipationcheck:.clusterid.fctr3` NA
## `gSPrd.fctrDebtsettlement:.clusterid.fctr3` NA
## `gSPrd.fctrPayrollcard:.clusterid.fctr3` NA
## `gSPrd.fctrIDprepaidcard:.clusterid.fctr3` 4.135e+13
## `gSPrd.fctrCreditrepair:.clusterid.fctr3` NA
## `gSPrd.fctrPawnloan:.clusterid.fctr3` NA
## `gSPrd.fctrMoneyorder:.clusterid.fctr3` NA
## `gSPrd.fctrTraveler\\342\\200\\231s/Cashier\\342\\200\\231schecks:.clusterid.fctr3` NA
## `gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr3` NA
## `gSPrd.fctrOther:.clusterid.fctr4` 6.203e+13
## `gSPrd.fctrVehicleloan:.clusterid.fctr4` NA
## `gSPrd.fctrCheckingaccount:.clusterid.fctr4` NA
## `gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr4` NA
## `gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr4` NA
## `gSPrd.fctrIdonotknow:.clusterid.fctr4` NA
## `gSPrd.fctr:.clusterid.fctr4` NA
## `gSPrd.fctrOthermortgage:.clusterid.fctr4` NA
## `gSPrd.fctrCreditcard:.clusterid.fctr4` NA
## `gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr4` NA
## `gSPrd.fctrOtherbankproduct/service:.clusterid.fctr4` NA
## `gSPrd.fctrNon-federalstudentloan:.clusterid.fctr4` NA
## `gSPrd.fctrFHAmortgage:.clusterid.fctr4` NA
## `gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr4` NA
## `gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr4` NA
## `gSPrd.fctrVehiclelease:.clusterid.fctr4` NA
## `gSPrd.fctrSavingsaccount:.clusterid.fctr4` NA
## `gSPrd.fctrFederalstudentloan:.clusterid.fctr4` NA
## `gSPrd.fctrMortgage:.clusterid.fctr4` NA
## `gSPrd.fctrReversemortgage:.clusterid.fctr4` NA
## `gSPrd.fctrAuto:.clusterid.fctr4` NA
## `gSPrd.fctrInstallmentloan:.clusterid.fctr4` NA
## `gSPrd.fctrMedical:.clusterid.fctr4` NA
## `gSPrd.fctrVAmortgage:.clusterid.fctr4` NA
## `gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr4` NA
## `gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr4` NA
## `gSPrd.fctrPersonallineofcredit:.clusterid.fctr4` NA
## `gSPrd.fctrSecondmortgage:.clusterid.fctr4` NA
## `gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr4` NA
## `gSPrd.fctrPaydayloan:.clusterid.fctr4` NA
## `gSPrd.fctrCheckcashing:.clusterid.fctr4` NA
## `gSPrd.fctrMobilewallet:.clusterid.fctr4` NA
## `gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr4` NA
## `gSPrd.fctrGiftormerchantcard:.clusterid.fctr4` NA
## `gSPrd.fctrGeneralpurposecard:.clusterid.fctr4` NA
## `gSPrd.fctrTitleloan:.clusterid.fctr4` NA
## `gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr4` NA
## `gSPrd.fctrRefundanticipationcheck:.clusterid.fctr4` NA
## `gSPrd.fctrDebtsettlement:.clusterid.fctr4` NA
## `gSPrd.fctrPayrollcard:.clusterid.fctr4` NA
## `gSPrd.fctrIDprepaidcard:.clusterid.fctr4` NA
## `gSPrd.fctrCreditrepair:.clusterid.fctr4` NA
## `gSPrd.fctrPawnloan:.clusterid.fctr4` NA
## `gSPrd.fctrMoneyorder:.clusterid.fctr4` NA
## `gSPrd.fctrTraveler\\342\\200\\231s/Cashier\\342\\200\\231schecks:.clusterid.fctr4` NA
## `gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr4` NA
## z value
## (Intercept) 1.088
## .clusterid -1.088
## Channel.fctrFax -0.364
## Channel.fctrPhone -4.108
## Channel.fctrPostalmail -2.143
## Channel.fctrReferral -4.039
## `Datereceived.date.fctr(7,13]` 0.337
## `Datereceived.date.fctr(13,19]` -0.022
## `Datereceived.date.fctr(19,25]` -0.006
## `Datereceived.date.fctr(25,31]` -0.147
## Datereceived.juliandate 0.146
## Datereceived.last16.log1p 0.488
## Datereceived.last2.log1p 3.210
## Datereceived.last32.log1p -0.103
## Datereceived.last4.log1p -0.008
## Datereceived.last8.log1p 1.005
## Datereceived.month.fctr02 -0.291
## Datereceived.month.fctr03 -0.315
## Datereceived.month.fctr04 -0.047
## Datereceived.month.fctr05 -0.023
## Datereceived.month.fctr06 -0.228
## Datereceived.month.fctr07 -0.027
## Datereceived.month.fctr08 -0.070
## Datereceived.month.fctr09 -0.078
## Datereceived.month.fctr10 -0.087
## Datereceived.month.fctr11 -0.127
## Datereceived.month.fctr12 -0.097
## Datereceived.wkday.fctr1 3.178
## Datereceived.wkday.fctr2 2.691
## Datereceived.wkday.fctr3 2.561
## Datereceived.wkday.fctr4 3.137
## Datereceived.wkday.fctr5 3.305
## Datereceived.wkday.fctr6 1.365
## Datereceived.wkend NA
## Datereceived.year.fctr2015 2.324
## Datereceived.year.fctr2016 2.996
## `Datesenttocompany.date.fctr(7,13]` NA
## `Datesenttocompany.date.fctr(13,19]` NA
## `Datesenttocompany.date.fctr(19,25]` NA
## `Datesenttocompany.date.fctr(25,31]` NA
## Datesenttocompany.juliandate NA
## Datesenttocompany.last16.log1p NA
## Datesenttocompany.last2.log1p NA
## Datesenttocompany.last32.log1p NA
## Datesenttocompany.last4.log1p NA
## Datesenttocompany.last8.log1p NA
## Datesenttocompany.month.fctr02 NA
## Datesenttocompany.month.fctr03 NA
## Datesenttocompany.month.fctr04 NA
## Datesenttocompany.month.fctr05 NA
## Datesenttocompany.month.fctr06 NA
## Datesenttocompany.month.fctr07 NA
## Datesenttocompany.month.fctr08 NA
## Datesenttocompany.month.fctr09 NA
## Datesenttocompany.month.fctr10 NA
## Datesenttocompany.month.fctr11 NA
## Datesenttocompany.month.fctr12 NA
## Datesenttocompany.wkday.fctr1 NA
## Datesenttocompany.wkday.fctr2 NA
## Datesenttocompany.wkday.fctr3 NA
## Datesenttocompany.wkday.fctr4 NA
## Datesenttocompany.wkday.fctr5 NA
## Datesenttocompany.wkday.fctr6 NA
## Datesenttocompany.wkend NA
## Datesenttocompany.year.fctr2015 NA
## Datesenttocompany.year.fctr2016 NA
## Response.fctrClosed -0.338
## Response.fctrClosedwithmonetaryrelief -6.201
## `Response.fctrClosedwithnon-monetaryrelief` -4.096
## Response.fctrInprogress NA
## Response.fctrUntimelyresponse NA
## `Rgn.Dvn.fctrMW#EastNorthCentral` -1.398
## `Rgn.Dvn.fctrMW#WestNorthCentral` -0.995
## `Rgn.Dvn.fctrMW#WestNorthCentral#MidAtlantic` -0.017
## `Rgn.Dvn.fctrMW#WestNorthCentral#NewEngland` -0.480
## `Rgn.Dvn.fctrOT#Other` -0.255
## `Rgn.Dvn.fctrSH#EastSouthCentral` -1.177
## `Rgn.Dvn.fctrSH#WestSouthCentral` 0.167
## `Rgn.Dvn.fctrWT#Mountain` 0.613
## `Rgn.Dvn.fctrWT#Pacific` 0.729
## Sent.Recd.Dys -0.516
## Sent.Recd.Dys.log1p -0.517
## Sent.Recd.Dys.nexp -0.274
## Sent.Recd.Dys.root2 0.503
## gCConsent.fctrConsentnotprovided -2.030
## gCConsent.fctrConsentprovided -2.685
## gCConsent.fctrOther -0.811
## gCompany.fctrAmex 2.530
## gCompany.fctrBlackhawkNetworkHoldingsInc. 1.203
## gCompany.fctrCitibank 0.651
## gCompany.fctrComerica 0.523
## `gCompany.fctrNetSpendCorporation,aTSYSCompany` -1.691
## gCompany.fctrOther 0.253
## `gCompany.fctrPayPalHoldings,Inc.` 0.640
## gCompany.fctrU.S.Bancorp 0.175
## gSPrd.fctrVehicleloan NA
## gSPrd.fctrCheckingaccount NA
## gSPrd.fctrConventionalfixedmortgage NA
## `gSPrd.fctrOther(i.e.phone,healthclub,etc.)` NA
## gSPrd.fctrIdonotknow NA
## gSPrd.fctr NA
## gSPrd.fctrOthermortgage NA
## gSPrd.fctrCreditcard NA
## `gSPrd.fctrConventionaladjustablemortgage(ARM)` NA
## `gSPrd.fctrOtherbankproduct/service` NA
## `gSPrd.fctrNon-federalstudentloan` NA
## gSPrd.fctrFHAmortgage NA
## `gSPrd.fctr(CD)Certificateofdeposit` NA
## gSPrd.fctrHomeequityloanorlineofcredit NA
## gSPrd.fctrVehiclelease NA
## gSPrd.fctrSavingsaccount NA
## gSPrd.fctrFederalstudentloan NA
## gSPrd.fctrMortgage NA
## gSPrd.fctrReversemortgage NA
## gSPrd.fctrAuto NA
## gSPrd.fctrInstallmentloan NA
## gSPrd.fctrMedical NA
## gSPrd.fctrVAmortgage NA
## `gSPrd.fctrDomestic(US)moneytransfer` NA
## gSPrd.fctrInternationalmoneytransfer NA
## gSPrd.fctrPersonallineofcredit NA
## gSPrd.fctrSecondmortgage NA
## gSPrd.fctrCashingacheckwithoutanaccount NA
## gSPrd.fctrPaydayloan NA
## gSPrd.fctrCheckcashing NA
## gSPrd.fctrMobilewallet 0.471
## gSPrd.fctrGovernmentbenefitpaymentcard 0.125
## gSPrd.fctrGiftormerchantcard 0.498
## gSPrd.fctrGeneralpurposecard -0.023
## gSPrd.fctrTitleloan NA
## gSPrd.fctrForeigncurrencyexchange NA
## gSPrd.fctrRefundanticipationcheck NA
## gSPrd.fctrDebtsettlement NA
## gSPrd.fctrPayrollcard -1.106
## gSPrd.fctrIDprepaidcard -0.296
## gSPrd.fctrCreditrepair NA
## gSPrd.fctrPawnloan NA
## gSPrd.fctrMoneyorder NA
## `gSPrd.fctrTraveler\\342\\200\\231s/Cashier\\342\\200\\231schecks` NA
## gSPrd.fctrFederalstudentloanservicing NA
## gTags.fctrOlderAmerican 1.217
## gTags.fctrOlderAmericanServicemember -0.092
## gTags.fctrServicemember 3.042
## `gSPrd.fctrOther:.clusterid.fctr2` 1.088
## `gSPrd.fctrVehicleloan:.clusterid.fctr2` NA
## `gSPrd.fctrCheckingaccount:.clusterid.fctr2` NA
## `gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr2` NA
## `gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr2` NA
## `gSPrd.fctrIdonotknow:.clusterid.fctr2` NA
## `gSPrd.fctr:.clusterid.fctr2` NA
## `gSPrd.fctrOthermortgage:.clusterid.fctr2` NA
## `gSPrd.fctrCreditcard:.clusterid.fctr2` NA
## `gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr2` NA
## `gSPrd.fctrOtherbankproduct/service:.clusterid.fctr2` NA
## `gSPrd.fctrNon-federalstudentloan:.clusterid.fctr2` NA
## `gSPrd.fctrFHAmortgage:.clusterid.fctr2` NA
## `gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr2` NA
## `gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr2` NA
## `gSPrd.fctrVehiclelease:.clusterid.fctr2` NA
## `gSPrd.fctrSavingsaccount:.clusterid.fctr2` NA
## `gSPrd.fctrFederalstudentloan:.clusterid.fctr2` NA
## `gSPrd.fctrMortgage:.clusterid.fctr2` NA
## `gSPrd.fctrReversemortgage:.clusterid.fctr2` NA
## `gSPrd.fctrAuto:.clusterid.fctr2` NA
## `gSPrd.fctrInstallmentloan:.clusterid.fctr2` NA
## `gSPrd.fctrMedical:.clusterid.fctr2` NA
## `gSPrd.fctrVAmortgage:.clusterid.fctr2` NA
## `gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr2` NA
## `gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr2` NA
## `gSPrd.fctrPersonallineofcredit:.clusterid.fctr2` NA
## `gSPrd.fctrSecondmortgage:.clusterid.fctr2` NA
## `gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr2` NA
## `gSPrd.fctrPaydayloan:.clusterid.fctr2` NA
## `gSPrd.fctrCheckcashing:.clusterid.fctr2` NA
## `gSPrd.fctrMobilewallet:.clusterid.fctr2` 1.088
## `gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr2` 1.088
## `gSPrd.fctrGiftormerchantcard:.clusterid.fctr2` 1.088
## `gSPrd.fctrGeneralpurposecard:.clusterid.fctr2` 1.088
## `gSPrd.fctrTitleloan:.clusterid.fctr2` NA
## `gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr2` NA
## `gSPrd.fctrRefundanticipationcheck:.clusterid.fctr2` NA
## `gSPrd.fctrDebtsettlement:.clusterid.fctr2` NA
## `gSPrd.fctrPayrollcard:.clusterid.fctr2` 1.088
## `gSPrd.fctrIDprepaidcard:.clusterid.fctr2` 1.088
## `gSPrd.fctrCreditrepair:.clusterid.fctr2` NA
## `gSPrd.fctrPawnloan:.clusterid.fctr2` NA
## `gSPrd.fctrMoneyorder:.clusterid.fctr2` NA
## `gSPrd.fctrTraveler\\342\\200\\231s/Cashier\\342\\200\\231schecks:.clusterid.fctr2` NA
## `gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr2` NA
## `gSPrd.fctrOther:.clusterid.fctr3` 1.088
## `gSPrd.fctrVehicleloan:.clusterid.fctr3` NA
## `gSPrd.fctrCheckingaccount:.clusterid.fctr3` NA
## `gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr3` NA
## `gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr3` NA
## `gSPrd.fctrIdonotknow:.clusterid.fctr3` NA
## `gSPrd.fctr:.clusterid.fctr3` NA
## `gSPrd.fctrOthermortgage:.clusterid.fctr3` NA
## `gSPrd.fctrCreditcard:.clusterid.fctr3` NA
## `gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr3` NA
## `gSPrd.fctrOtherbankproduct/service:.clusterid.fctr3` NA
## `gSPrd.fctrNon-federalstudentloan:.clusterid.fctr3` NA
## `gSPrd.fctrFHAmortgage:.clusterid.fctr3` NA
## `gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr3` NA
## `gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr3` NA
## `gSPrd.fctrVehiclelease:.clusterid.fctr3` NA
## `gSPrd.fctrSavingsaccount:.clusterid.fctr3` NA
## `gSPrd.fctrFederalstudentloan:.clusterid.fctr3` NA
## `gSPrd.fctrMortgage:.clusterid.fctr3` NA
## `gSPrd.fctrReversemortgage:.clusterid.fctr3` NA
## `gSPrd.fctrAuto:.clusterid.fctr3` NA
## `gSPrd.fctrInstallmentloan:.clusterid.fctr3` NA
## `gSPrd.fctrMedical:.clusterid.fctr3` NA
## `gSPrd.fctrVAmortgage:.clusterid.fctr3` NA
## `gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr3` NA
## `gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr3` NA
## `gSPrd.fctrPersonallineofcredit:.clusterid.fctr3` NA
## `gSPrd.fctrSecondmortgage:.clusterid.fctr3` NA
## `gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr3` NA
## `gSPrd.fctrPaydayloan:.clusterid.fctr3` NA
## `gSPrd.fctrCheckcashing:.clusterid.fctr3` NA
## `gSPrd.fctrMobilewallet:.clusterid.fctr3` 1.088
## `gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr3` NA
## `gSPrd.fctrGiftormerchantcard:.clusterid.fctr3` 1.088
## `gSPrd.fctrGeneralpurposecard:.clusterid.fctr3` 1.088
## `gSPrd.fctrTitleloan:.clusterid.fctr3` NA
## `gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr3` NA
## `gSPrd.fctrRefundanticipationcheck:.clusterid.fctr3` NA
## `gSPrd.fctrDebtsettlement:.clusterid.fctr3` NA
## `gSPrd.fctrPayrollcard:.clusterid.fctr3` NA
## `gSPrd.fctrIDprepaidcard:.clusterid.fctr3` 1.088
## `gSPrd.fctrCreditrepair:.clusterid.fctr3` NA
## `gSPrd.fctrPawnloan:.clusterid.fctr3` NA
## `gSPrd.fctrMoneyorder:.clusterid.fctr3` NA
## `gSPrd.fctrTraveler\\342\\200\\231s/Cashier\\342\\200\\231schecks:.clusterid.fctr3` NA
## `gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr3` NA
## `gSPrd.fctrOther:.clusterid.fctr4` 1.088
## `gSPrd.fctrVehicleloan:.clusterid.fctr4` NA
## `gSPrd.fctrCheckingaccount:.clusterid.fctr4` NA
## `gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr4` NA
## `gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr4` NA
## `gSPrd.fctrIdonotknow:.clusterid.fctr4` NA
## `gSPrd.fctr:.clusterid.fctr4` NA
## `gSPrd.fctrOthermortgage:.clusterid.fctr4` NA
## `gSPrd.fctrCreditcard:.clusterid.fctr4` NA
## `gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr4` NA
## `gSPrd.fctrOtherbankproduct/service:.clusterid.fctr4` NA
## `gSPrd.fctrNon-federalstudentloan:.clusterid.fctr4` NA
## `gSPrd.fctrFHAmortgage:.clusterid.fctr4` NA
## `gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr4` NA
## `gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr4` NA
## `gSPrd.fctrVehiclelease:.clusterid.fctr4` NA
## `gSPrd.fctrSavingsaccount:.clusterid.fctr4` NA
## `gSPrd.fctrFederalstudentloan:.clusterid.fctr4` NA
## `gSPrd.fctrMortgage:.clusterid.fctr4` NA
## `gSPrd.fctrReversemortgage:.clusterid.fctr4` NA
## `gSPrd.fctrAuto:.clusterid.fctr4` NA
## `gSPrd.fctrInstallmentloan:.clusterid.fctr4` NA
## `gSPrd.fctrMedical:.clusterid.fctr4` NA
## `gSPrd.fctrVAmortgage:.clusterid.fctr4` NA
## `gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr4` NA
## `gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr4` NA
## `gSPrd.fctrPersonallineofcredit:.clusterid.fctr4` NA
## `gSPrd.fctrSecondmortgage:.clusterid.fctr4` NA
## `gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr4` NA
## `gSPrd.fctrPaydayloan:.clusterid.fctr4` NA
## `gSPrd.fctrCheckcashing:.clusterid.fctr4` NA
## `gSPrd.fctrMobilewallet:.clusterid.fctr4` NA
## `gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr4` NA
## `gSPrd.fctrGiftormerchantcard:.clusterid.fctr4` NA
## `gSPrd.fctrGeneralpurposecard:.clusterid.fctr4` NA
## `gSPrd.fctrTitleloan:.clusterid.fctr4` NA
## `gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr4` NA
## `gSPrd.fctrRefundanticipationcheck:.clusterid.fctr4` NA
## `gSPrd.fctrDebtsettlement:.clusterid.fctr4` NA
## `gSPrd.fctrPayrollcard:.clusterid.fctr4` NA
## `gSPrd.fctrIDprepaidcard:.clusterid.fctr4` NA
## `gSPrd.fctrCreditrepair:.clusterid.fctr4` NA
## `gSPrd.fctrPawnloan:.clusterid.fctr4` NA
## `gSPrd.fctrMoneyorder:.clusterid.fctr4` NA
## `gSPrd.fctrTraveler\\342\\200\\231s/Cashier\\342\\200\\231schecks:.clusterid.fctr4` NA
## `gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr4` NA
## Pr(>|z|)
## (Intercept) 0.276625
## .clusterid 0.276625
## Channel.fctrFax 0.716178
## Channel.fctrPhone 3.99e-05
## Channel.fctrPostalmail 0.032095
## Channel.fctrReferral 5.38e-05
## `Datereceived.date.fctr(7,13]` 0.736469
## `Datereceived.date.fctr(13,19]` 0.982539
## `Datereceived.date.fctr(19,25]` 0.994929
## `Datereceived.date.fctr(25,31]` 0.883156
## Datereceived.juliandate 0.884117
## Datereceived.last16.log1p 0.625732
## Datereceived.last2.log1p 0.001325
## Datereceived.last32.log1p 0.918073
## Datereceived.last4.log1p 0.993849
## Datereceived.last8.log1p 0.315010
## Datereceived.month.fctr02 0.770705
## Datereceived.month.fctr03 0.753096
## Datereceived.month.fctr04 0.962402
## Datereceived.month.fctr05 0.981723
## Datereceived.month.fctr06 0.819530
## Datereceived.month.fctr07 0.978729
## Datereceived.month.fctr08 0.944371
## Datereceived.month.fctr09 0.937996
## Datereceived.month.fctr10 0.930545
## Datereceived.month.fctr11 0.899035
## Datereceived.month.fctr12 0.923060
## Datereceived.wkday.fctr1 0.001485
## Datereceived.wkday.fctr2 0.007123
## Datereceived.wkday.fctr3 0.010446
## Datereceived.wkday.fctr4 0.001704
## Datereceived.wkday.fctr5 0.000949
## Datereceived.wkday.fctr6 0.172163
## Datereceived.wkend NA
## Datereceived.year.fctr2015 0.020145
## Datereceived.year.fctr2016 0.002740
## `Datesenttocompany.date.fctr(7,13]` NA
## `Datesenttocompany.date.fctr(13,19]` NA
## `Datesenttocompany.date.fctr(19,25]` NA
## `Datesenttocompany.date.fctr(25,31]` NA
## Datesenttocompany.juliandate NA
## Datesenttocompany.last16.log1p NA
## Datesenttocompany.last2.log1p NA
## Datesenttocompany.last32.log1p NA
## Datesenttocompany.last4.log1p NA
## Datesenttocompany.last8.log1p NA
## Datesenttocompany.month.fctr02 NA
## Datesenttocompany.month.fctr03 NA
## Datesenttocompany.month.fctr04 NA
## Datesenttocompany.month.fctr05 NA
## Datesenttocompany.month.fctr06 NA
## Datesenttocompany.month.fctr07 NA
## Datesenttocompany.month.fctr08 NA
## Datesenttocompany.month.fctr09 NA
## Datesenttocompany.month.fctr10 NA
## Datesenttocompany.month.fctr11 NA
## Datesenttocompany.month.fctr12 NA
## Datesenttocompany.wkday.fctr1 NA
## Datesenttocompany.wkday.fctr2 NA
## Datesenttocompany.wkday.fctr3 NA
## Datesenttocompany.wkday.fctr4 NA
## Datesenttocompany.wkday.fctr5 NA
## Datesenttocompany.wkday.fctr6 NA
## Datesenttocompany.wkend NA
## Datesenttocompany.year.fctr2015 NA
## Datesenttocompany.year.fctr2016 NA
## Response.fctrClosed 0.735636
## Response.fctrClosedwithmonetaryrelief 5.63e-10
## `Response.fctrClosedwithnon-monetaryrelief` 4.21e-05
## Response.fctrInprogress NA
## Response.fctrUntimelyresponse NA
## `Rgn.Dvn.fctrMW#EastNorthCentral` 0.162096
## `Rgn.Dvn.fctrMW#WestNorthCentral` 0.319979
## `Rgn.Dvn.fctrMW#WestNorthCentral#MidAtlantic` 0.986195
## `Rgn.Dvn.fctrMW#WestNorthCentral#NewEngland` 0.631082
## `Rgn.Dvn.fctrOT#Other` 0.798605
## `Rgn.Dvn.fctrSH#EastSouthCentral` 0.239037
## `Rgn.Dvn.fctrSH#WestSouthCentral` 0.867739
## `Rgn.Dvn.fctrWT#Mountain` 0.540066
## `Rgn.Dvn.fctrWT#Pacific` 0.465851
## Sent.Recd.Dys 0.605849
## Sent.Recd.Dys.log1p 0.605244
## Sent.Recd.Dys.nexp 0.783983
## Sent.Recd.Dys.root2 0.615053
## gCConsent.fctrConsentnotprovided 0.042404
## gCConsent.fctrConsentprovided 0.007244
## gCConsent.fctrOther 0.417239
## gCompany.fctrAmex 0.011403
## gCompany.fctrBlackhawkNetworkHoldingsInc. 0.228794
## gCompany.fctrCitibank 0.514795
## gCompany.fctrComerica 0.600791
## `gCompany.fctrNetSpendCorporation,aTSYSCompany` 0.090882
## gCompany.fctrOther 0.799928
## `gCompany.fctrPayPalHoldings,Inc.` 0.522018
## gCompany.fctrU.S.Bancorp 0.860981
## gSPrd.fctrVehicleloan NA
## gSPrd.fctrCheckingaccount NA
## gSPrd.fctrConventionalfixedmortgage NA
## `gSPrd.fctrOther(i.e.phone,healthclub,etc.)` NA
## gSPrd.fctrIdonotknow NA
## gSPrd.fctr NA
## gSPrd.fctrOthermortgage NA
## gSPrd.fctrCreditcard NA
## `gSPrd.fctrConventionaladjustablemortgage(ARM)` NA
## `gSPrd.fctrOtherbankproduct/service` NA
## `gSPrd.fctrNon-federalstudentloan` NA
## gSPrd.fctrFHAmortgage NA
## `gSPrd.fctr(CD)Certificateofdeposit` NA
## gSPrd.fctrHomeequityloanorlineofcredit NA
## gSPrd.fctrVehiclelease NA
## gSPrd.fctrSavingsaccount NA
## gSPrd.fctrFederalstudentloan NA
## gSPrd.fctrMortgage NA
## gSPrd.fctrReversemortgage NA
## gSPrd.fctrAuto NA
## gSPrd.fctrInstallmentloan NA
## gSPrd.fctrMedical NA
## gSPrd.fctrVAmortgage NA
## `gSPrd.fctrDomestic(US)moneytransfer` NA
## gSPrd.fctrInternationalmoneytransfer NA
## gSPrd.fctrPersonallineofcredit NA
## gSPrd.fctrSecondmortgage NA
## gSPrd.fctrCashingacheckwithoutanaccount NA
## gSPrd.fctrPaydayloan NA
## gSPrd.fctrCheckcashing NA
## gSPrd.fctrMobilewallet 0.637572
## gSPrd.fctrGovernmentbenefitpaymentcard 0.900601
## gSPrd.fctrGiftormerchantcard 0.618564
## gSPrd.fctrGeneralpurposecard 0.981473
## gSPrd.fctrTitleloan NA
## gSPrd.fctrForeigncurrencyexchange NA
## gSPrd.fctrRefundanticipationcheck NA
## gSPrd.fctrDebtsettlement NA
## gSPrd.fctrPayrollcard 0.268860
## gSPrd.fctrIDprepaidcard 0.767067
## gSPrd.fctrCreditrepair NA
## gSPrd.fctrPawnloan NA
## gSPrd.fctrMoneyorder NA
## `gSPrd.fctrTraveler\\342\\200\\231s/Cashier\\342\\200\\231schecks` NA
## gSPrd.fctrFederalstudentloanservicing NA
## gTags.fctrOlderAmerican 0.223432
## gTags.fctrOlderAmericanServicemember 0.926904
## gTags.fctrServicemember 0.002354
## `gSPrd.fctrOther:.clusterid.fctr2` 0.276625
## `gSPrd.fctrVehicleloan:.clusterid.fctr2` NA
## `gSPrd.fctrCheckingaccount:.clusterid.fctr2` NA
## `gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr2` NA
## `gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr2` NA
## `gSPrd.fctrIdonotknow:.clusterid.fctr2` NA
## `gSPrd.fctr:.clusterid.fctr2` NA
## `gSPrd.fctrOthermortgage:.clusterid.fctr2` NA
## `gSPrd.fctrCreditcard:.clusterid.fctr2` NA
## `gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr2` NA
## `gSPrd.fctrOtherbankproduct/service:.clusterid.fctr2` NA
## `gSPrd.fctrNon-federalstudentloan:.clusterid.fctr2` NA
## `gSPrd.fctrFHAmortgage:.clusterid.fctr2` NA
## `gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr2` NA
## `gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr2` NA
## `gSPrd.fctrVehiclelease:.clusterid.fctr2` NA
## `gSPrd.fctrSavingsaccount:.clusterid.fctr2` NA
## `gSPrd.fctrFederalstudentloan:.clusterid.fctr2` NA
## `gSPrd.fctrMortgage:.clusterid.fctr2` NA
## `gSPrd.fctrReversemortgage:.clusterid.fctr2` NA
## `gSPrd.fctrAuto:.clusterid.fctr2` NA
## `gSPrd.fctrInstallmentloan:.clusterid.fctr2` NA
## `gSPrd.fctrMedical:.clusterid.fctr2` NA
## `gSPrd.fctrVAmortgage:.clusterid.fctr2` NA
## `gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr2` NA
## `gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr2` NA
## `gSPrd.fctrPersonallineofcredit:.clusterid.fctr2` NA
## `gSPrd.fctrSecondmortgage:.clusterid.fctr2` NA
## `gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr2` NA
## `gSPrd.fctrPaydayloan:.clusterid.fctr2` NA
## `gSPrd.fctrCheckcashing:.clusterid.fctr2` NA
## `gSPrd.fctrMobilewallet:.clusterid.fctr2` 0.276625
## `gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr2` 0.276625
## `gSPrd.fctrGiftormerchantcard:.clusterid.fctr2` 0.276625
## `gSPrd.fctrGeneralpurposecard:.clusterid.fctr2` 0.276625
## `gSPrd.fctrTitleloan:.clusterid.fctr2` NA
## `gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr2` NA
## `gSPrd.fctrRefundanticipationcheck:.clusterid.fctr2` NA
## `gSPrd.fctrDebtsettlement:.clusterid.fctr2` NA
## `gSPrd.fctrPayrollcard:.clusterid.fctr2` 0.276625
## `gSPrd.fctrIDprepaidcard:.clusterid.fctr2` 0.276625
## `gSPrd.fctrCreditrepair:.clusterid.fctr2` NA
## `gSPrd.fctrPawnloan:.clusterid.fctr2` NA
## `gSPrd.fctrMoneyorder:.clusterid.fctr2` NA
## `gSPrd.fctrTraveler\\342\\200\\231s/Cashier\\342\\200\\231schecks:.clusterid.fctr2` NA
## `gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr2` NA
## `gSPrd.fctrOther:.clusterid.fctr3` 0.276625
## `gSPrd.fctrVehicleloan:.clusterid.fctr3` NA
## `gSPrd.fctrCheckingaccount:.clusterid.fctr3` NA
## `gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr3` NA
## `gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr3` NA
## `gSPrd.fctrIdonotknow:.clusterid.fctr3` NA
## `gSPrd.fctr:.clusterid.fctr3` NA
## `gSPrd.fctrOthermortgage:.clusterid.fctr3` NA
## `gSPrd.fctrCreditcard:.clusterid.fctr3` NA
## `gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr3` NA
## `gSPrd.fctrOtherbankproduct/service:.clusterid.fctr3` NA
## `gSPrd.fctrNon-federalstudentloan:.clusterid.fctr3` NA
## `gSPrd.fctrFHAmortgage:.clusterid.fctr3` NA
## `gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr3` NA
## `gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr3` NA
## `gSPrd.fctrVehiclelease:.clusterid.fctr3` NA
## `gSPrd.fctrSavingsaccount:.clusterid.fctr3` NA
## `gSPrd.fctrFederalstudentloan:.clusterid.fctr3` NA
## `gSPrd.fctrMortgage:.clusterid.fctr3` NA
## `gSPrd.fctrReversemortgage:.clusterid.fctr3` NA
## `gSPrd.fctrAuto:.clusterid.fctr3` NA
## `gSPrd.fctrInstallmentloan:.clusterid.fctr3` NA
## `gSPrd.fctrMedical:.clusterid.fctr3` NA
## `gSPrd.fctrVAmortgage:.clusterid.fctr3` NA
## `gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr3` NA
## `gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr3` NA
## `gSPrd.fctrPersonallineofcredit:.clusterid.fctr3` NA
## `gSPrd.fctrSecondmortgage:.clusterid.fctr3` NA
## `gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr3` NA
## `gSPrd.fctrPaydayloan:.clusterid.fctr3` NA
## `gSPrd.fctrCheckcashing:.clusterid.fctr3` NA
## `gSPrd.fctrMobilewallet:.clusterid.fctr3` 0.276625
## `gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr3` NA
## `gSPrd.fctrGiftormerchantcard:.clusterid.fctr3` 0.276625
## `gSPrd.fctrGeneralpurposecard:.clusterid.fctr3` 0.276625
## `gSPrd.fctrTitleloan:.clusterid.fctr3` NA
## `gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr3` NA
## `gSPrd.fctrRefundanticipationcheck:.clusterid.fctr3` NA
## `gSPrd.fctrDebtsettlement:.clusterid.fctr3` NA
## `gSPrd.fctrPayrollcard:.clusterid.fctr3` NA
## `gSPrd.fctrIDprepaidcard:.clusterid.fctr3` 0.276625
## `gSPrd.fctrCreditrepair:.clusterid.fctr3` NA
## `gSPrd.fctrPawnloan:.clusterid.fctr3` NA
## `gSPrd.fctrMoneyorder:.clusterid.fctr3` NA
## `gSPrd.fctrTraveler\\342\\200\\231s/Cashier\\342\\200\\231schecks:.clusterid.fctr3` NA
## `gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr3` NA
## `gSPrd.fctrOther:.clusterid.fctr4` 0.276625
## `gSPrd.fctrVehicleloan:.clusterid.fctr4` NA
## `gSPrd.fctrCheckingaccount:.clusterid.fctr4` NA
## `gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr4` NA
## `gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr4` NA
## `gSPrd.fctrIdonotknow:.clusterid.fctr4` NA
## `gSPrd.fctr:.clusterid.fctr4` NA
## `gSPrd.fctrOthermortgage:.clusterid.fctr4` NA
## `gSPrd.fctrCreditcard:.clusterid.fctr4` NA
## `gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr4` NA
## `gSPrd.fctrOtherbankproduct/service:.clusterid.fctr4` NA
## `gSPrd.fctrNon-federalstudentloan:.clusterid.fctr4` NA
## `gSPrd.fctrFHAmortgage:.clusterid.fctr4` NA
## `gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr4` NA
## `gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr4` NA
## `gSPrd.fctrVehiclelease:.clusterid.fctr4` NA
## `gSPrd.fctrSavingsaccount:.clusterid.fctr4` NA
## `gSPrd.fctrFederalstudentloan:.clusterid.fctr4` NA
## `gSPrd.fctrMortgage:.clusterid.fctr4` NA
## `gSPrd.fctrReversemortgage:.clusterid.fctr4` NA
## `gSPrd.fctrAuto:.clusterid.fctr4` NA
## `gSPrd.fctrInstallmentloan:.clusterid.fctr4` NA
## `gSPrd.fctrMedical:.clusterid.fctr4` NA
## `gSPrd.fctrVAmortgage:.clusterid.fctr4` NA
## `gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr4` NA
## `gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr4` NA
## `gSPrd.fctrPersonallineofcredit:.clusterid.fctr4` NA
## `gSPrd.fctrSecondmortgage:.clusterid.fctr4` NA
## `gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr4` NA
## `gSPrd.fctrPaydayloan:.clusterid.fctr4` NA
## `gSPrd.fctrCheckcashing:.clusterid.fctr4` NA
## `gSPrd.fctrMobilewallet:.clusterid.fctr4` NA
## `gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr4` NA
## `gSPrd.fctrGiftormerchantcard:.clusterid.fctr4` NA
## `gSPrd.fctrGeneralpurposecard:.clusterid.fctr4` NA
## `gSPrd.fctrTitleloan:.clusterid.fctr4` NA
## `gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr4` NA
## `gSPrd.fctrRefundanticipationcheck:.clusterid.fctr4` NA
## `gSPrd.fctrDebtsettlement:.clusterid.fctr4` NA
## `gSPrd.fctrPayrollcard:.clusterid.fctr4` NA
## `gSPrd.fctrIDprepaidcard:.clusterid.fctr4` NA
## `gSPrd.fctrCreditrepair:.clusterid.fctr4` NA
## `gSPrd.fctrPawnloan:.clusterid.fctr4` NA
## `gSPrd.fctrMoneyorder:.clusterid.fctr4` NA
## `gSPrd.fctrTraveler\\342\\200\\231s/Cashier\\342\\200\\231schecks:.clusterid.fctr4` NA
## `gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr4` NA
##
## (Intercept)
## .clusterid
## Channel.fctrFax
## Channel.fctrPhone ***
## Channel.fctrPostalmail *
## Channel.fctrReferral ***
## `Datereceived.date.fctr(7,13]`
## `Datereceived.date.fctr(13,19]`
## `Datereceived.date.fctr(19,25]`
## `Datereceived.date.fctr(25,31]`
## Datereceived.juliandate
## Datereceived.last16.log1p
## Datereceived.last2.log1p **
## Datereceived.last32.log1p
## Datereceived.last4.log1p
## Datereceived.last8.log1p
## Datereceived.month.fctr02
## Datereceived.month.fctr03
## Datereceived.month.fctr04
## Datereceived.month.fctr05
## Datereceived.month.fctr06
## Datereceived.month.fctr07
## Datereceived.month.fctr08
## Datereceived.month.fctr09
## Datereceived.month.fctr10
## Datereceived.month.fctr11
## Datereceived.month.fctr12
## Datereceived.wkday.fctr1 **
## Datereceived.wkday.fctr2 **
## Datereceived.wkday.fctr3 *
## Datereceived.wkday.fctr4 **
## Datereceived.wkday.fctr5 ***
## Datereceived.wkday.fctr6
## Datereceived.wkend
## Datereceived.year.fctr2015 *
## Datereceived.year.fctr2016 **
## `Datesenttocompany.date.fctr(7,13]`
## `Datesenttocompany.date.fctr(13,19]`
## `Datesenttocompany.date.fctr(19,25]`
## `Datesenttocompany.date.fctr(25,31]`
## Datesenttocompany.juliandate
## Datesenttocompany.last16.log1p
## Datesenttocompany.last2.log1p
## Datesenttocompany.last32.log1p
## Datesenttocompany.last4.log1p
## Datesenttocompany.last8.log1p
## Datesenttocompany.month.fctr02
## Datesenttocompany.month.fctr03
## Datesenttocompany.month.fctr04
## Datesenttocompany.month.fctr05
## Datesenttocompany.month.fctr06
## Datesenttocompany.month.fctr07
## Datesenttocompany.month.fctr08
## Datesenttocompany.month.fctr09
## Datesenttocompany.month.fctr10
## Datesenttocompany.month.fctr11
## Datesenttocompany.month.fctr12
## Datesenttocompany.wkday.fctr1
## Datesenttocompany.wkday.fctr2
## Datesenttocompany.wkday.fctr3
## Datesenttocompany.wkday.fctr4
## Datesenttocompany.wkday.fctr5
## Datesenttocompany.wkday.fctr6
## Datesenttocompany.wkend
## Datesenttocompany.year.fctr2015
## Datesenttocompany.year.fctr2016
## Response.fctrClosed
## Response.fctrClosedwithmonetaryrelief ***
## `Response.fctrClosedwithnon-monetaryrelief` ***
## Response.fctrInprogress
## Response.fctrUntimelyresponse
## `Rgn.Dvn.fctrMW#EastNorthCentral`
## `Rgn.Dvn.fctrMW#WestNorthCentral`
## `Rgn.Dvn.fctrMW#WestNorthCentral#MidAtlantic`
## `Rgn.Dvn.fctrMW#WestNorthCentral#NewEngland`
## `Rgn.Dvn.fctrOT#Other`
## `Rgn.Dvn.fctrSH#EastSouthCentral`
## `Rgn.Dvn.fctrSH#WestSouthCentral`
## `Rgn.Dvn.fctrWT#Mountain`
## `Rgn.Dvn.fctrWT#Pacific`
## Sent.Recd.Dys
## Sent.Recd.Dys.log1p
## Sent.Recd.Dys.nexp
## Sent.Recd.Dys.root2
## gCConsent.fctrConsentnotprovided *
## gCConsent.fctrConsentprovided **
## gCConsent.fctrOther
## gCompany.fctrAmex *
## gCompany.fctrBlackhawkNetworkHoldingsInc.
## gCompany.fctrCitibank
## gCompany.fctrComerica
## `gCompany.fctrNetSpendCorporation,aTSYSCompany` .
## gCompany.fctrOther
## `gCompany.fctrPayPalHoldings,Inc.`
## gCompany.fctrU.S.Bancorp
## gSPrd.fctrVehicleloan
## gSPrd.fctrCheckingaccount
## gSPrd.fctrConventionalfixedmortgage
## `gSPrd.fctrOther(i.e.phone,healthclub,etc.)`
## gSPrd.fctrIdonotknow
## gSPrd.fctr
## gSPrd.fctrOthermortgage
## gSPrd.fctrCreditcard
## `gSPrd.fctrConventionaladjustablemortgage(ARM)`
## `gSPrd.fctrOtherbankproduct/service`
## `gSPrd.fctrNon-federalstudentloan`
## gSPrd.fctrFHAmortgage
## `gSPrd.fctr(CD)Certificateofdeposit`
## gSPrd.fctrHomeequityloanorlineofcredit
## gSPrd.fctrVehiclelease
## gSPrd.fctrSavingsaccount
## gSPrd.fctrFederalstudentloan
## gSPrd.fctrMortgage
## gSPrd.fctrReversemortgage
## gSPrd.fctrAuto
## gSPrd.fctrInstallmentloan
## gSPrd.fctrMedical
## gSPrd.fctrVAmortgage
## `gSPrd.fctrDomestic(US)moneytransfer`
## gSPrd.fctrInternationalmoneytransfer
## gSPrd.fctrPersonallineofcredit
## gSPrd.fctrSecondmortgage
## gSPrd.fctrCashingacheckwithoutanaccount
## gSPrd.fctrPaydayloan
## gSPrd.fctrCheckcashing
## gSPrd.fctrMobilewallet
## gSPrd.fctrGovernmentbenefitpaymentcard
## gSPrd.fctrGiftormerchantcard
## gSPrd.fctrGeneralpurposecard
## gSPrd.fctrTitleloan
## gSPrd.fctrForeigncurrencyexchange
## gSPrd.fctrRefundanticipationcheck
## gSPrd.fctrDebtsettlement
## gSPrd.fctrPayrollcard
## gSPrd.fctrIDprepaidcard
## gSPrd.fctrCreditrepair
## gSPrd.fctrPawnloan
## gSPrd.fctrMoneyorder
## `gSPrd.fctrTraveler\\342\\200\\231s/Cashier\\342\\200\\231schecks`
## gSPrd.fctrFederalstudentloanservicing
## gTags.fctrOlderAmerican
## gTags.fctrOlderAmericanServicemember
## gTags.fctrServicemember **
## `gSPrd.fctrOther:.clusterid.fctr2`
## `gSPrd.fctrVehicleloan:.clusterid.fctr2`
## `gSPrd.fctrCheckingaccount:.clusterid.fctr2`
## `gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr2`
## `gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr2`
## `gSPrd.fctrIdonotknow:.clusterid.fctr2`
## `gSPrd.fctr:.clusterid.fctr2`
## `gSPrd.fctrOthermortgage:.clusterid.fctr2`
## `gSPrd.fctrCreditcard:.clusterid.fctr2`
## `gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr2`
## `gSPrd.fctrOtherbankproduct/service:.clusterid.fctr2`
## `gSPrd.fctrNon-federalstudentloan:.clusterid.fctr2`
## `gSPrd.fctrFHAmortgage:.clusterid.fctr2`
## `gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr2`
## `gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr2`
## `gSPrd.fctrVehiclelease:.clusterid.fctr2`
## `gSPrd.fctrSavingsaccount:.clusterid.fctr2`
## `gSPrd.fctrFederalstudentloan:.clusterid.fctr2`
## `gSPrd.fctrMortgage:.clusterid.fctr2`
## `gSPrd.fctrReversemortgage:.clusterid.fctr2`
## `gSPrd.fctrAuto:.clusterid.fctr2`
## `gSPrd.fctrInstallmentloan:.clusterid.fctr2`
## `gSPrd.fctrMedical:.clusterid.fctr2`
## `gSPrd.fctrVAmortgage:.clusterid.fctr2`
## `gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr2`
## `gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr2`
## `gSPrd.fctrPersonallineofcredit:.clusterid.fctr2`
## `gSPrd.fctrSecondmortgage:.clusterid.fctr2`
## `gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr2`
## `gSPrd.fctrPaydayloan:.clusterid.fctr2`
## `gSPrd.fctrCheckcashing:.clusterid.fctr2`
## `gSPrd.fctrMobilewallet:.clusterid.fctr2`
## `gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr2`
## `gSPrd.fctrGiftormerchantcard:.clusterid.fctr2`
## `gSPrd.fctrGeneralpurposecard:.clusterid.fctr2`
## `gSPrd.fctrTitleloan:.clusterid.fctr2`
## `gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr2`
## `gSPrd.fctrRefundanticipationcheck:.clusterid.fctr2`
## `gSPrd.fctrDebtsettlement:.clusterid.fctr2`
## `gSPrd.fctrPayrollcard:.clusterid.fctr2`
## `gSPrd.fctrIDprepaidcard:.clusterid.fctr2`
## `gSPrd.fctrCreditrepair:.clusterid.fctr2`
## `gSPrd.fctrPawnloan:.clusterid.fctr2`
## `gSPrd.fctrMoneyorder:.clusterid.fctr2`
## `gSPrd.fctrTraveler\\342\\200\\231s/Cashier\\342\\200\\231schecks:.clusterid.fctr2`
## `gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr2`
## `gSPrd.fctrOther:.clusterid.fctr3`
## `gSPrd.fctrVehicleloan:.clusterid.fctr3`
## `gSPrd.fctrCheckingaccount:.clusterid.fctr3`
## `gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr3`
## `gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr3`
## `gSPrd.fctrIdonotknow:.clusterid.fctr3`
## `gSPrd.fctr:.clusterid.fctr3`
## `gSPrd.fctrOthermortgage:.clusterid.fctr3`
## `gSPrd.fctrCreditcard:.clusterid.fctr3`
## `gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr3`
## `gSPrd.fctrOtherbankproduct/service:.clusterid.fctr3`
## `gSPrd.fctrNon-federalstudentloan:.clusterid.fctr3`
## `gSPrd.fctrFHAmortgage:.clusterid.fctr3`
## `gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr3`
## `gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr3`
## `gSPrd.fctrVehiclelease:.clusterid.fctr3`
## `gSPrd.fctrSavingsaccount:.clusterid.fctr3`
## `gSPrd.fctrFederalstudentloan:.clusterid.fctr3`
## `gSPrd.fctrMortgage:.clusterid.fctr3`
## `gSPrd.fctrReversemortgage:.clusterid.fctr3`
## `gSPrd.fctrAuto:.clusterid.fctr3`
## `gSPrd.fctrInstallmentloan:.clusterid.fctr3`
## `gSPrd.fctrMedical:.clusterid.fctr3`
## `gSPrd.fctrVAmortgage:.clusterid.fctr3`
## `gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr3`
## `gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr3`
## `gSPrd.fctrPersonallineofcredit:.clusterid.fctr3`
## `gSPrd.fctrSecondmortgage:.clusterid.fctr3`
## `gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr3`
## `gSPrd.fctrPaydayloan:.clusterid.fctr3`
## `gSPrd.fctrCheckcashing:.clusterid.fctr3`
## `gSPrd.fctrMobilewallet:.clusterid.fctr3`
## `gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr3`
## `gSPrd.fctrGiftormerchantcard:.clusterid.fctr3`
## `gSPrd.fctrGeneralpurposecard:.clusterid.fctr3`
## `gSPrd.fctrTitleloan:.clusterid.fctr3`
## `gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr3`
## `gSPrd.fctrRefundanticipationcheck:.clusterid.fctr3`
## `gSPrd.fctrDebtsettlement:.clusterid.fctr3`
## `gSPrd.fctrPayrollcard:.clusterid.fctr3`
## `gSPrd.fctrIDprepaidcard:.clusterid.fctr3`
## `gSPrd.fctrCreditrepair:.clusterid.fctr3`
## `gSPrd.fctrPawnloan:.clusterid.fctr3`
## `gSPrd.fctrMoneyorder:.clusterid.fctr3`
## `gSPrd.fctrTraveler\\342\\200\\231s/Cashier\\342\\200\\231schecks:.clusterid.fctr3`
## `gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr3`
## `gSPrd.fctrOther:.clusterid.fctr4`
## `gSPrd.fctrVehicleloan:.clusterid.fctr4`
## `gSPrd.fctrCheckingaccount:.clusterid.fctr4`
## `gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr4`
## `gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr4`
## `gSPrd.fctrIdonotknow:.clusterid.fctr4`
## `gSPrd.fctr:.clusterid.fctr4`
## `gSPrd.fctrOthermortgage:.clusterid.fctr4`
## `gSPrd.fctrCreditcard:.clusterid.fctr4`
## `gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr4`
## `gSPrd.fctrOtherbankproduct/service:.clusterid.fctr4`
## `gSPrd.fctrNon-federalstudentloan:.clusterid.fctr4`
## `gSPrd.fctrFHAmortgage:.clusterid.fctr4`
## `gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr4`
## `gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr4`
## `gSPrd.fctrVehiclelease:.clusterid.fctr4`
## `gSPrd.fctrSavingsaccount:.clusterid.fctr4`
## `gSPrd.fctrFederalstudentloan:.clusterid.fctr4`
## `gSPrd.fctrMortgage:.clusterid.fctr4`
## `gSPrd.fctrReversemortgage:.clusterid.fctr4`
## `gSPrd.fctrAuto:.clusterid.fctr4`
## `gSPrd.fctrInstallmentloan:.clusterid.fctr4`
## `gSPrd.fctrMedical:.clusterid.fctr4`
## `gSPrd.fctrVAmortgage:.clusterid.fctr4`
## `gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr4`
## `gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr4`
## `gSPrd.fctrPersonallineofcredit:.clusterid.fctr4`
## `gSPrd.fctrSecondmortgage:.clusterid.fctr4`
## `gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr4`
## `gSPrd.fctrPaydayloan:.clusterid.fctr4`
## `gSPrd.fctrCheckcashing:.clusterid.fctr4`
## `gSPrd.fctrMobilewallet:.clusterid.fctr4`
## `gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr4`
## `gSPrd.fctrGiftormerchantcard:.clusterid.fctr4`
## `gSPrd.fctrGeneralpurposecard:.clusterid.fctr4`
## `gSPrd.fctrTitleloan:.clusterid.fctr4`
## `gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr4`
## `gSPrd.fctrRefundanticipationcheck:.clusterid.fctr4`
## `gSPrd.fctrDebtsettlement:.clusterid.fctr4`
## `gSPrd.fctrPayrollcard:.clusterid.fctr4`
## `gSPrd.fctrIDprepaidcard:.clusterid.fctr4`
## `gSPrd.fctrCreditrepair:.clusterid.fctr4`
## `gSPrd.fctrPawnloan:.clusterid.fctr4`
## `gSPrd.fctrMoneyorder:.clusterid.fctr4`
## `gSPrd.fctrTraveler\\342\\200\\231s/Cashier\\342\\200\\231schecks:.clusterid.fctr4`
## `gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr4`
## ---
## Signif. codes: 0 '***' 0.001 '**' 0.01 '*' 0.05 '.' 0.1 ' ' 1
##
## (Dispersion parameter for binomial family taken to be 1)
##
## Null deviance: 1545.1 on 1342 degrees of freedom
## Residual deviance: 1250.9 on 1259 degrees of freedom
## AIC: 1418.9
##
## Number of Fisher Scoring iterations: 25
##
## [1] "mydisplayOutliers: "
##
## No Studentized residuals with Bonferonni p < 0.05
## Largest |rstudent|:
## rstudent unadjusted p-value Bonferonni p
## X31668 -3.414365 0.00063931 0.85859
## [1] ""
## .rstudent .dffits .hatvalues
## Min. :-3.4144 Min. :-13.27444 Min. :0.006397
## 1st Qu.:-0.8004 1st Qu.: -0.22207 1st Qu.:0.034378
## Median :-0.4408 Median : -0.08485 Median :0.055745
## Mean :-0.1323 Mean : -0.04277 Mean :0.062547
## 3rd Qu.: 0.6509 3rd Qu.: 0.16003 3rd Qu.:0.076444
## Max. : 2.9607 Max. : 0.79890 Max. :0.916008
## [1] "myfit_mdl: train diagnostics complete: 30.008000 secs"## Warning in predict.lm(object, newdata, se.fit, scale = 1, type =
## ifelse(type == : prediction from a rank-deficient fit may be misleading## Warning in predict.lm(object, newdata, se.fit, scale = 1, type =
## ifelse(type == : prediction from a rank-deficient fit may be misleading
## Prediction
## Reference N Y
## N 698 293
## Y 106 246
## Accuracy Kappa AccuracyLower AccuracyUpper AccuracyNull
## 7.029039e-01 3.442423e-01 6.776663e-01 7.272505e-01 7.379002e-01
## AccuracyPValue McnemarPValue
## 9.982054e-01 1.258654e-20## Warning in predict.lm(object, newdata, se.fit, scale = 1, type =
## ifelse(type == : prediction from a rank-deficient fit may be misleading
## Warning in predict.lm(object, newdata, se.fit, scale = 1, type =
## ifelse(type == : prediction from a rank-deficient fit may be misleading
## Prediction
## Reference N Y
## N 923 518
## Y 21 64
## Accuracy Kappa AccuracyLower AccuracyUpper AccuracyNull
## 6.467890e-01 1.048948e-01 6.222157e-01 6.707959e-01 9.442988e-01
## AccuracyPValue McnemarPValue
## 1.000000e+00 2.875402e-101
## [1] "myfit_mdl: predict complete: 36.518000 secs"
## id
## 1 All.X##rcv#glm
## feats
## 1 Datereceived.last8.log1p,Datesenttocompany.last8.log1p,Datereceived.last4.log1p,Datesenttocompany.last4.log1p,Datereceived.last2.log1p,Datesenttocompany.last2.log1p,Datereceived.last16.log1p,Datesenttocompany.last16.log1p,Datereceived.last32.log1p,Datesenttocompany.last32.log1p,gCompany.fctr,gTags.fctr,Sent.Recd.Dys.nexp,Rgn.Dvn.fctr,Datereceived.year.fctr,Datesenttocompany.year.fctr,Datereceived.wkday.fctr,Datesenttocompany.wkday.fctr,gCConsent.fctr,Datereceived.wkend,Datesenttocompany.wkend,Channel.fctr,gSPrd.fctr,.clusterid,Datereceived.month.fctr,Datesenttocompany.month.fctr,Datereceived.juliandate,Datesenttocompany.juliandate,Datereceived.date.fctr,Datesenttocompany.date.fctr,Sent.Recd.Dys,Sent.Recd.Dys.root2,Sent.Recd.Dys.log1p,Response.fctr,gSPrd.fctr:.clusterid.fctr
## max.nTuningRuns min.elapsedtime.everything min.elapsedtime.final
## 1 1 28.982 2.691
## max.AUCpROC.fit max.Sens.fit max.Spec.fit max.AUCROCR.fit
## 1 0.6537345 0.9182644 0.3892045 0.7853953
## opt.prob.threshold.fit max.f.score.fit max.Accuracy.fit
## 1 0.3 0.5521886 0.7329529
## max.AccuracyLower.fit max.AccuracyUpper.fit max.Kappa.fit
## 1 0.6776663 0.7272505 0.206553
## min.log.loss.mean.fit max.AUCpROC.OOB max.Sens.OOB max.Spec.OOB
## 1 0.4657267 0.6230191 0.8813324 0.3647059
## max.AUCROCR.OOB opt.prob.threshold.OOB max.f.score.OOB max.Accuracy.OOB
## 1 0.7239744 0.25 0.191904 0.646789
## max.AccuracyLower.OOB max.AccuracyUpper.OOB max.Kappa.OOB
## 1 0.6222157 0.6707959 0.1048948
## min.log.loss.mean.OOB max.AccuracySD.fit max.KappaSD.fit
## 1 0.3550878 0.02349537 0.07475894## Warning in predict.lm(object, newdata, se.fit, scale = 1, type =
## ifelse(type == : prediction from a rank-deficient fit may be misleading## [1] "myfit_mdl: exit: 36.669000 secs"
## label step_major step_minor label_minor bgn end
## 6 fit.models_1_All.X 1 5 glm 199.802 236.474
## 7 fit.models_1_All.X 1 6 bayesglm 236.474 NA
## elapsed
## 6 36.672
## 7 NA
## [1] "myfit_mdl: enter: 0.000000 secs"
## [1] "myfit_mdl: fitting model: All.X##rcv#bayesglm"
## [1] " indepVar: Datereceived.last8.log1p,Datesenttocompany.last8.log1p,Datereceived.last4.log1p,Datesenttocompany.last4.log1p,Datereceived.last2.log1p,Datesenttocompany.last2.log1p,Datereceived.last16.log1p,Datesenttocompany.last16.log1p,Datereceived.last32.log1p,Datesenttocompany.last32.log1p,gCompany.fctr,gTags.fctr,Sent.Recd.Dys.nexp,Rgn.Dvn.fctr,Datereceived.year.fctr,Datesenttocompany.year.fctr,Datereceived.wkday.fctr,Datesenttocompany.wkday.fctr,gCConsent.fctr,Datereceived.wkend,Datesenttocompany.wkend,Channel.fctr,gSPrd.fctr,.clusterid,Datereceived.month.fctr,Datesenttocompany.month.fctr,Datereceived.juliandate,Datesenttocompany.juliandate,Datereceived.date.fctr,Datesenttocompany.date.fctr,Sent.Recd.Dys,Sent.Recd.Dys.root2,Sent.Recd.Dys.log1p,Response.fctr,gSPrd.fctr:.clusterid.fctr"
## [1] "myfit_mdl: setup complete: 0.616000 secs"## Loading required package: arm## Loading required package: MASS##
## Attaching package: 'MASS'## The following object is masked from 'package:dplyr':
##
## select## Loading required package: lme4##
## arm (Version 1.9-1, built: 2016-8-21)## Working directory is /Users/bbi/Documents/Work/DataScience/CFPB
## Aggregating results
## Fitting final model on full training set
## [1] "myfit_mdl: train complete: 19.275000 secs"
## parameter
## 1 none
##
## Call:
## NULL
##
## Deviance Residuals:
## Min 1Q Median 3Q Max
## -1.8767 -0.7606 -0.4276 0.6917 2.8494
##
## Coefficients:
## Estimate
## (Intercept) -2.6049732
## .clusterid 0.1405912
## Channel.fctrFax -2.4111143
## Channel.fctrPhone -1.2462213
## Channel.fctrPostalmail -0.8522389
## Channel.fctrReferral -1.1544520
## `Datereceived.date.fctr(7,13]` 0.0630686
## `Datereceived.date.fctr(13,19]` 0.0096325
## `Datereceived.date.fctr(19,25]` 0.0215819
## `Datereceived.date.fctr(25,31]` -0.0384886
## Datereceived.juliandate 0.0008917
## Datereceived.last16.log1p 0.0137027
## Datereceived.last2.log1p 0.0259940
## Datereceived.last32.log1p -0.0053874
## Datereceived.last4.log1p 0.0003299
## Datereceived.last8.log1p 0.0249389
## Datereceived.month.fctr02 -0.1287338
## Datereceived.month.fctr03 -0.2660757
## Datereceived.month.fctr04 0.0942349
## Datereceived.month.fctr05 0.1859197
## Datereceived.month.fctr06 -0.4085767
## Datereceived.month.fctr07 0.2576149
## Datereceived.month.fctr08 0.1155481
## Datereceived.month.fctr09 0.1093963
## Datereceived.month.fctr10 0.0660403
## Datereceived.month.fctr11 -0.1789490
## Datereceived.month.fctr12 0.0171181
## Datereceived.wkday.fctr1 0.1305879
## Datereceived.wkday.fctr2 0.0359681
## Datereceived.wkday.fctr3 0.0068935
## Datereceived.wkday.fctr4 0.1174511
## Datereceived.wkday.fctr5 0.1565538
## Datereceived.wkday.fctr6 0.2568956
## Datereceived.wkend -0.4616192
## Datereceived.year.fctr2015 0.3185959
## Datereceived.year.fctr2016 0.5216220
## `Datesenttocompany.date.fctr(7,13]` 0.0630686
## `Datesenttocompany.date.fctr(13,19]` 0.0096325
## `Datesenttocompany.date.fctr(19,25]` 0.0215819
## `Datesenttocompany.date.fctr(25,31]` -0.0384886
## Datesenttocompany.juliandate 0.0008917
## Datesenttocompany.last16.log1p 0.0137027
## Datesenttocompany.last2.log1p 0.0259940
## Datesenttocompany.last32.log1p -0.0053874
## Datesenttocompany.last4.log1p 0.0003299
## Datesenttocompany.last8.log1p 0.0249389
## Datesenttocompany.month.fctr02 -0.1287338
## Datesenttocompany.month.fctr03 -0.2660757
## Datesenttocompany.month.fctr04 0.0942349
## Datesenttocompany.month.fctr05 0.1859197
## Datesenttocompany.month.fctr06 -0.4085767
## Datesenttocompany.month.fctr07 0.2576149
## Datesenttocompany.month.fctr08 0.1155481
## Datesenttocompany.month.fctr09 0.1093963
## Datesenttocompany.month.fctr10 0.0660403
## Datesenttocompany.month.fctr11 -0.1789490
## Datesenttocompany.month.fctr12 0.0171181
## Datesenttocompany.wkday.fctr1 0.1305879
## Datesenttocompany.wkday.fctr2 0.0359681
## Datesenttocompany.wkday.fctr3 0.0068935
## Datesenttocompany.wkday.fctr4 0.1174511
## Datesenttocompany.wkday.fctr5 0.1565538
## Datesenttocompany.wkday.fctr6 0.2568956
## Datesenttocompany.wkend -0.4616192
## Datesenttocompany.year.fctr2015 0.3185959
## Datesenttocompany.year.fctr2016 0.5216220
## Response.fctrClosed -0.2246459
## Response.fctrClosedwithmonetaryrelief -1.1791172
## `Response.fctrClosedwithnon-monetaryrelief` -1.2090258
## Response.fctrInprogress 0.0000000
## Response.fctrUntimelyresponse 0.0000000
## `Rgn.Dvn.fctrMW#EastNorthCentral` -0.3533241
## `Rgn.Dvn.fctrMW#WestNorthCentral` -0.4117121
## `Rgn.Dvn.fctrMW#WestNorthCentral#MidAtlantic` -0.0085757
## `Rgn.Dvn.fctrMW#WestNorthCentral#NewEngland` -0.1364295
## `Rgn.Dvn.fctrOT#Other` -0.1430189
## `Rgn.Dvn.fctrSH#EastSouthCentral` -0.4980949
## `Rgn.Dvn.fctrSH#WestSouthCentral` 0.0436095
## `Rgn.Dvn.fctrWT#Mountain` 0.1800759
## `Rgn.Dvn.fctrWT#Pacific` 0.1777588
## Sent.Recd.Dys -0.0143817
## Sent.Recd.Dys.log1p -0.0823791
## Sent.Recd.Dys.nexp 0.1004568
## Sent.Recd.Dys.root2 0.0707172
## gCConsent.fctrConsentnotprovided -0.5127660
## gCConsent.fctrConsentprovided -0.6516478
## gCConsent.fctrOther -0.2380402
## gCompany.fctrAmex 0.8353241
## gCompany.fctrBlackhawkNetworkHoldingsInc. 0.4648515
## gCompany.fctrCitibank 0.2503403
## gCompany.fctrComerica 0.2339971
## `gCompany.fctrNetSpendCorporation,aTSYSCompany` -0.6772740
## gCompany.fctrOther 0.0689238
## `gCompany.fctrPayPalHoldings,Inc.` 0.2459843
## gCompany.fctrU.S.Bancorp 0.0243143
## gSPrd.fctrVehicleloan 0.0000000
## gSPrd.fctrCheckingaccount 0.0000000
## gSPrd.fctrConventionalfixedmortgage 0.0000000
## `gSPrd.fctrOther(i.e.phone,healthclub,etc.)` 0.0000000
## gSPrd.fctrIdonotknow 0.0000000
## gSPrd.fctr 0.0000000
## gSPrd.fctrOthermortgage 0.0000000
## gSPrd.fctrCreditcard 0.0000000
## `gSPrd.fctrConventionaladjustablemortgage(ARM)` 0.0000000
## `gSPrd.fctrOtherbankproduct/service` 0.0000000
## `gSPrd.fctrNon-federalstudentloan` 0.0000000
## gSPrd.fctrFHAmortgage 0.0000000
## `gSPrd.fctr(CD)Certificateofdeposit` 0.0000000
## gSPrd.fctrHomeequityloanorlineofcredit 0.0000000
## gSPrd.fctrVehiclelease 0.0000000
## gSPrd.fctrSavingsaccount 0.0000000
## gSPrd.fctrFederalstudentloan 0.0000000
## gSPrd.fctrMortgage 0.0000000
## gSPrd.fctrReversemortgage 0.0000000
## gSPrd.fctrAuto 0.0000000
## gSPrd.fctrInstallmentloan 0.0000000
## gSPrd.fctrMedical 0.0000000
## gSPrd.fctrVAmortgage 0.0000000
## `gSPrd.fctrDomestic(US)moneytransfer` 0.0000000
## gSPrd.fctrInternationalmoneytransfer 0.0000000
## gSPrd.fctrPersonallineofcredit 0.0000000
## gSPrd.fctrSecondmortgage 0.0000000
## gSPrd.fctrCashingacheckwithoutanaccount 0.0000000
## gSPrd.fctrPaydayloan 0.0000000
## gSPrd.fctrCheckcashing 0.0000000
## gSPrd.fctrMobilewallet 0.2372639
## gSPrd.fctrGovernmentbenefitpaymentcard 0.0778987
## gSPrd.fctrGiftormerchantcard 0.2843129
## gSPrd.fctrGeneralpurposecard 0.0088227
## gSPrd.fctrTitleloan 0.0000000
## gSPrd.fctrForeigncurrencyexchange 0.0000000
## gSPrd.fctrRefundanticipationcheck 0.0000000
## gSPrd.fctrDebtsettlement 0.0000000
## gSPrd.fctrPayrollcard -0.5438189
## gSPrd.fctrIDprepaidcard -0.1520412
## gSPrd.fctrCreditrepair 0.0000000
## gSPrd.fctrPawnloan 0.0000000
## gSPrd.fctrMoneyorder 0.0000000
## `gSPrd.fctrTraveler\\342\\200\\231s/Cashier\\342\\200\\231schecks` 0.0000000
## gSPrd.fctrFederalstudentloanservicing 0.0000000
## gTags.fctrOlderAmerican 0.3763445
## gTags.fctrOlderAmericanServicemember -0.0677620
## gTags.fctrServicemember 0.8025876
## `gSPrd.fctrOther:.clusterid.fctr2` 0.7690476
## `gSPrd.fctrVehicleloan:.clusterid.fctr2` 0.0000000
## `gSPrd.fctrCheckingaccount:.clusterid.fctr2` 0.0000000
## `gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr2` 0.0000000
## `gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr2` 0.0000000
## `gSPrd.fctrIdonotknow:.clusterid.fctr2` 0.0000000
## `gSPrd.fctr:.clusterid.fctr2` 0.0000000
## `gSPrd.fctrOthermortgage:.clusterid.fctr2` 0.0000000
## `gSPrd.fctrCreditcard:.clusterid.fctr2` 0.0000000
## `gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr2` 0.0000000
## `gSPrd.fctrOtherbankproduct/service:.clusterid.fctr2` 0.0000000
## `gSPrd.fctrNon-federalstudentloan:.clusterid.fctr2` 0.0000000
## `gSPrd.fctrFHAmortgage:.clusterid.fctr2` 0.0000000
## `gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr2` 0.0000000
## `gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr2` 0.0000000
## `gSPrd.fctrVehiclelease:.clusterid.fctr2` 0.0000000
## `gSPrd.fctrSavingsaccount:.clusterid.fctr2` 0.0000000
## `gSPrd.fctrFederalstudentloan:.clusterid.fctr2` 0.0000000
## `gSPrd.fctrMortgage:.clusterid.fctr2` 0.0000000
## `gSPrd.fctrReversemortgage:.clusterid.fctr2` 0.0000000
## `gSPrd.fctrAuto:.clusterid.fctr2` 0.0000000
## `gSPrd.fctrInstallmentloan:.clusterid.fctr2` 0.0000000
## `gSPrd.fctrMedical:.clusterid.fctr2` 0.0000000
## `gSPrd.fctrVAmortgage:.clusterid.fctr2` 0.0000000
## `gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr2` 0.0000000
## `gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr2` 0.0000000
## `gSPrd.fctrPersonallineofcredit:.clusterid.fctr2` 0.0000000
## `gSPrd.fctrSecondmortgage:.clusterid.fctr2` 0.0000000
## `gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr2` 0.0000000
## `gSPrd.fctrPaydayloan:.clusterid.fctr2` 0.0000000
## `gSPrd.fctrCheckcashing:.clusterid.fctr2` 0.0000000
## `gSPrd.fctrMobilewallet:.clusterid.fctr2` -0.0330095
## `gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr2` 0.1240720
## `gSPrd.fctrGiftormerchantcard:.clusterid.fctr2` -0.0085861
## `gSPrd.fctrGeneralpurposecard:.clusterid.fctr2` 0.2264497
## `gSPrd.fctrTitleloan:.clusterid.fctr2` 0.0000000
## `gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr2` 0.0000000
## `gSPrd.fctrRefundanticipationcheck:.clusterid.fctr2` 0.0000000
## `gSPrd.fctrDebtsettlement:.clusterid.fctr2` 0.0000000
## `gSPrd.fctrPayrollcard:.clusterid.fctr2` 1.0959881
## `gSPrd.fctrIDprepaidcard:.clusterid.fctr2` -0.3358742
## `gSPrd.fctrCreditrepair:.clusterid.fctr2` 0.0000000
## `gSPrd.fctrPawnloan:.clusterid.fctr2` 0.0000000
## `gSPrd.fctrMoneyorder:.clusterid.fctr2` 0.0000000
## `gSPrd.fctrTraveler\\342\\200\\231s/Cashier\\342\\200\\231schecks:.clusterid.fctr2` 0.0000000
## `gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr2` 0.0000000
## `gSPrd.fctrOther:.clusterid.fctr3` -0.0443531
## `gSPrd.fctrVehicleloan:.clusterid.fctr3` 0.0000000
## `gSPrd.fctrCheckingaccount:.clusterid.fctr3` 0.0000000
## `gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr3` 0.0000000
## `gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr3` 0.0000000
## `gSPrd.fctrIdonotknow:.clusterid.fctr3` 0.0000000
## `gSPrd.fctr:.clusterid.fctr3` 0.0000000
## `gSPrd.fctrOthermortgage:.clusterid.fctr3` 0.0000000
## `gSPrd.fctrCreditcard:.clusterid.fctr3` 0.0000000
## `gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr3` 0.0000000
## `gSPrd.fctrOtherbankproduct/service:.clusterid.fctr3` 0.0000000
## `gSPrd.fctrNon-federalstudentloan:.clusterid.fctr3` 0.0000000
## `gSPrd.fctrFHAmortgage:.clusterid.fctr3` 0.0000000
## `gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr3` 0.0000000
## `gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr3` 0.0000000
## `gSPrd.fctrVehiclelease:.clusterid.fctr3` 0.0000000
## `gSPrd.fctrSavingsaccount:.clusterid.fctr3` 0.0000000
## `gSPrd.fctrFederalstudentloan:.clusterid.fctr3` 0.0000000
## `gSPrd.fctrMortgage:.clusterid.fctr3` 0.0000000
## `gSPrd.fctrReversemortgage:.clusterid.fctr3` 0.0000000
## `gSPrd.fctrAuto:.clusterid.fctr3` 0.0000000
## `gSPrd.fctrInstallmentloan:.clusterid.fctr3` 0.0000000
## `gSPrd.fctrMedical:.clusterid.fctr3` 0.0000000
## `gSPrd.fctrVAmortgage:.clusterid.fctr3` 0.0000000
## `gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr3` 0.0000000
## `gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr3` 0.0000000
## `gSPrd.fctrPersonallineofcredit:.clusterid.fctr3` 0.0000000
## `gSPrd.fctrSecondmortgage:.clusterid.fctr3` 0.0000000
## `gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr3` 0.0000000
## `gSPrd.fctrPaydayloan:.clusterid.fctr3` 0.0000000
## `gSPrd.fctrCheckcashing:.clusterid.fctr3` 0.0000000
## `gSPrd.fctrMobilewallet:.clusterid.fctr3` 0.7633175
## `gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr3` 0.0000000
## `gSPrd.fctrGiftormerchantcard:.clusterid.fctr3` 0.3619783
## `gSPrd.fctrGeneralpurposecard:.clusterid.fctr3` -0.2979599
## `gSPrd.fctrTitleloan:.clusterid.fctr3` 0.0000000
## `gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr3` 0.0000000
## `gSPrd.fctrRefundanticipationcheck:.clusterid.fctr3` 0.0000000
## `gSPrd.fctrDebtsettlement:.clusterid.fctr3` 0.0000000
## `gSPrd.fctrPayrollcard:.clusterid.fctr3` 0.0000000
## `gSPrd.fctrIDprepaidcard:.clusterid.fctr3` 0.0120159
## `gSPrd.fctrCreditrepair:.clusterid.fctr3` 0.0000000
## `gSPrd.fctrPawnloan:.clusterid.fctr3` 0.0000000
## `gSPrd.fctrMoneyorder:.clusterid.fctr3` 0.0000000
## `gSPrd.fctrTraveler\\342\\200\\231s/Cashier\\342\\200\\231schecks:.clusterid.fctr3` 0.0000000
## `gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr3` 0.0000000
## `gSPrd.fctrOther:.clusterid.fctr4` -1.4779483
## `gSPrd.fctrVehicleloan:.clusterid.fctr4` 0.0000000
## `gSPrd.fctrCheckingaccount:.clusterid.fctr4` 0.0000000
## `gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr4` 0.0000000
## `gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr4` 0.0000000
## `gSPrd.fctrIdonotknow:.clusterid.fctr4` 0.0000000
## `gSPrd.fctr:.clusterid.fctr4` 0.0000000
## `gSPrd.fctrOthermortgage:.clusterid.fctr4` 0.0000000
## `gSPrd.fctrCreditcard:.clusterid.fctr4` 0.0000000
## `gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr4` 0.0000000
## `gSPrd.fctrOtherbankproduct/service:.clusterid.fctr4` 0.0000000
## `gSPrd.fctrNon-federalstudentloan:.clusterid.fctr4` 0.0000000
## `gSPrd.fctrFHAmortgage:.clusterid.fctr4` 0.0000000
## `gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr4` 0.0000000
## `gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr4` 0.0000000
## `gSPrd.fctrVehiclelease:.clusterid.fctr4` 0.0000000
## `gSPrd.fctrSavingsaccount:.clusterid.fctr4` 0.0000000
## `gSPrd.fctrFederalstudentloan:.clusterid.fctr4` 0.0000000
## `gSPrd.fctrMortgage:.clusterid.fctr4` 0.0000000
## `gSPrd.fctrReversemortgage:.clusterid.fctr4` 0.0000000
## `gSPrd.fctrAuto:.clusterid.fctr4` 0.0000000
## `gSPrd.fctrInstallmentloan:.clusterid.fctr4` 0.0000000
## `gSPrd.fctrMedical:.clusterid.fctr4` 0.0000000
## `gSPrd.fctrVAmortgage:.clusterid.fctr4` 0.0000000
## `gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr4` 0.0000000
## `gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr4` 0.0000000
## `gSPrd.fctrPersonallineofcredit:.clusterid.fctr4` 0.0000000
## `gSPrd.fctrSecondmortgage:.clusterid.fctr4` 0.0000000
## `gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr4` 0.0000000
## `gSPrd.fctrPaydayloan:.clusterid.fctr4` 0.0000000
## `gSPrd.fctrCheckcashing:.clusterid.fctr4` 0.0000000
## `gSPrd.fctrMobilewallet:.clusterid.fctr4` 0.0000000
## `gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr4` 0.0000000
## `gSPrd.fctrGiftormerchantcard:.clusterid.fctr4` 0.0000000
## `gSPrd.fctrGeneralpurposecard:.clusterid.fctr4` 0.0000000
## `gSPrd.fctrTitleloan:.clusterid.fctr4` 0.0000000
## `gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr4` 0.0000000
## `gSPrd.fctrRefundanticipationcheck:.clusterid.fctr4` 0.0000000
## `gSPrd.fctrDebtsettlement:.clusterid.fctr4` 0.0000000
## `gSPrd.fctrPayrollcard:.clusterid.fctr4` 0.0000000
## `gSPrd.fctrIDprepaidcard:.clusterid.fctr4` 0.0000000
## `gSPrd.fctrCreditrepair:.clusterid.fctr4` 0.0000000
## `gSPrd.fctrPawnloan:.clusterid.fctr4` 0.0000000
## `gSPrd.fctrMoneyorder:.clusterid.fctr4` 0.0000000
## `gSPrd.fctrTraveler\\342\\200\\231s/Cashier\\342\\200\\231schecks:.clusterid.fctr4` 0.0000000
## `gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr4` 0.0000000
## Std. Error
## (Intercept) 1.8339939
## .clusterid 0.3560793
## Channel.fctrFax 1.5236706
## Channel.fctrPhone 0.3192534
## Channel.fctrPostalmail 0.4531539
## Channel.fctrReferral 0.3069083
## `Datereceived.date.fctr(7,13]` 1.4493369
## `Datereceived.date.fctr(13,19]` 1.4498735
## `Datereceived.date.fctr(19,25]` 1.4499414
## `Datereceived.date.fctr(25,31]` 1.4511824
## Datereceived.juliandate 0.0074374
## Datereceived.last16.log1p 0.1694764
## Datereceived.last2.log1p 0.1267320
## Datereceived.last32.log1p 0.2102992
## Datereceived.last4.log1p 0.1323328
## Datereceived.last8.log1p 0.1535508
## Datereceived.month.fctr02 1.4670843
## Datereceived.month.fctr03 1.4755732
## Datereceived.month.fctr04 1.4730213
## Datereceived.month.fctr05 1.4842274
## Datereceived.month.fctr06 1.5168704
## Datereceived.month.fctr07 1.5198504
## Datereceived.month.fctr08 1.5384763
## Datereceived.month.fctr09 1.5625791
## Datereceived.month.fctr10 1.5910317
## Datereceived.month.fctr11 1.6264234
## Datereceived.month.fctr12 1.6539355
## Datereceived.wkday.fctr1 1.6101981
## Datereceived.wkday.fctr2 1.6084532
## Datereceived.wkday.fctr3 1.6081944
## Datereceived.wkday.fctr4 1.6096425
## Datereceived.wkday.fctr5 1.6111570
## Datereceived.wkday.fctr6 1.4704468
## Datereceived.wkend 1.6362916
## Datereceived.year.fctr2015 1.4649714
## Datereceived.year.fctr2016 1.4887234
## `Datesenttocompany.date.fctr(7,13]` 1.4493369
## `Datesenttocompany.date.fctr(13,19]` 1.4498735
## `Datesenttocompany.date.fctr(19,25]` 1.4499414
## `Datesenttocompany.date.fctr(25,31]` 1.4511824
## Datesenttocompany.juliandate 0.0074374
## Datesenttocompany.last16.log1p 0.1694764
## Datesenttocompany.last2.log1p 0.1267320
## Datesenttocompany.last32.log1p 0.2102992
## Datesenttocompany.last4.log1p 0.1323328
## Datesenttocompany.last8.log1p 0.1535508
## Datesenttocompany.month.fctr02 1.4670843
## Datesenttocompany.month.fctr03 1.4755732
## Datesenttocompany.month.fctr04 1.4730213
## Datesenttocompany.month.fctr05 1.4842274
## Datesenttocompany.month.fctr06 1.5168704
## Datesenttocompany.month.fctr07 1.5198504
## Datesenttocompany.month.fctr08 1.5384763
## Datesenttocompany.month.fctr09 1.5625791
## Datesenttocompany.month.fctr10 1.5910317
## Datesenttocompany.month.fctr11 1.6264234
## Datesenttocompany.month.fctr12 1.6539355
## Datesenttocompany.wkday.fctr1 1.6101981
## Datesenttocompany.wkday.fctr2 1.6084532
## Datesenttocompany.wkday.fctr3 1.6081944
## Datesenttocompany.wkday.fctr4 1.6096425
## Datesenttocompany.wkday.fctr5 1.6111570
## Datesenttocompany.wkday.fctr6 1.4704468
## Datesenttocompany.wkend 1.6362916
## Datesenttocompany.year.fctr2015 1.4649714
## Datesenttocompany.year.fctr2016 1.4887234
## Response.fctrClosed 0.6972454
## Response.fctrClosedwithmonetaryrelief 0.1889258
## `Response.fctrClosedwithnon-monetaryrelief` 0.2938068
## Response.fctrInprogress 2.5000000
## Response.fctrUntimelyresponse 2.5000000
## `Rgn.Dvn.fctrMW#EastNorthCentral` 0.2554088
## `Rgn.Dvn.fctrMW#WestNorthCentral` 0.4169082
## `Rgn.Dvn.fctrMW#WestNorthCentral#MidAtlantic` 0.2378904
## `Rgn.Dvn.fctrMW#WestNorthCentral#NewEngland` 0.3405668
## `Rgn.Dvn.fctrOT#Other` 0.5817554
## `Rgn.Dvn.fctrSH#EastSouthCentral` 0.4268246
## `Rgn.Dvn.fctrSH#WestSouthCentral` 0.2662662
## `Rgn.Dvn.fctrWT#Mountain` 0.2944789
## `Rgn.Dvn.fctrWT#Pacific` 0.2157897
## Sent.Recd.Dys 0.0415559
## Sent.Recd.Dys.log1p 0.8828471
## Sent.Recd.Dys.nexp 0.4865797
## Sent.Recd.Dys.root2 0.6694009
## gCConsent.fctrConsentnotprovided 0.2978426
## gCConsent.fctrConsentprovided 0.2736656
## gCConsent.fctrOther 0.4483384
## gCompany.fctrAmex 0.3157717
## gCompany.fctrBlackhawkNetworkHoldingsInc. 0.3859289
## gCompany.fctrCitibank 0.3993697
## gCompany.fctrComerica 0.5009527
## `gCompany.fctrNetSpendCorporation,aTSYSCompany` 0.3652913
## gCompany.fctrOther 0.3372354
## `gCompany.fctrPayPalHoldings,Inc.` 0.3920119
## gCompany.fctrU.S.Bancorp 0.3816648
## gSPrd.fctrVehicleloan 2.5000000
## gSPrd.fctrCheckingaccount 2.5000000
## gSPrd.fctrConventionalfixedmortgage 2.5000000
## `gSPrd.fctrOther(i.e.phone,healthclub,etc.)` 2.5000000
## gSPrd.fctrIdonotknow 2.5000000
## gSPrd.fctr 2.5000000
## gSPrd.fctrOthermortgage 2.5000000
## gSPrd.fctrCreditcard 2.5000000
## `gSPrd.fctrConventionaladjustablemortgage(ARM)` 2.5000000
## `gSPrd.fctrOtherbankproduct/service` 2.5000000
## `gSPrd.fctrNon-federalstudentloan` 2.5000000
## gSPrd.fctrFHAmortgage 2.5000000
## `gSPrd.fctr(CD)Certificateofdeposit` 2.5000000
## gSPrd.fctrHomeequityloanorlineofcredit 2.5000000
## gSPrd.fctrVehiclelease 2.5000000
## gSPrd.fctrSavingsaccount 2.5000000
## gSPrd.fctrFederalstudentloan 2.5000000
## gSPrd.fctrMortgage 2.5000000
## gSPrd.fctrReversemortgage 2.5000000
## gSPrd.fctrAuto 2.5000000
## gSPrd.fctrInstallmentloan 2.5000000
## gSPrd.fctrMedical 2.5000000
## gSPrd.fctrVAmortgage 2.5000000
## `gSPrd.fctrDomestic(US)moneytransfer` 2.5000000
## gSPrd.fctrInternationalmoneytransfer 2.5000000
## gSPrd.fctrPersonallineofcredit 2.5000000
## gSPrd.fctrSecondmortgage 2.5000000
## gSPrd.fctrCashingacheckwithoutanaccount 2.5000000
## gSPrd.fctrPaydayloan 2.5000000
## gSPrd.fctrCheckcashing 2.5000000
## gSPrd.fctrMobilewallet 0.4550289
## gSPrd.fctrGovernmentbenefitpaymentcard 0.5302213
## gSPrd.fctrGiftormerchantcard 0.4310672
## gSPrd.fctrGeneralpurposecard 0.3866038
## gSPrd.fctrTitleloan 2.5000000
## gSPrd.fctrForeigncurrencyexchange 2.5000000
## gSPrd.fctrRefundanticipationcheck 2.5000000
## gSPrd.fctrDebtsettlement 2.5000000
## gSPrd.fctrPayrollcard 0.4739391
## gSPrd.fctrIDprepaidcard 0.5116084
## gSPrd.fctrCreditrepair 2.5000000
## gSPrd.fctrPawnloan 2.5000000
## gSPrd.fctrMoneyorder 2.5000000
## `gSPrd.fctrTraveler\\342\\200\\231s/Cashier\\342\\200\\231schecks` 2.5000000
## gSPrd.fctrFederalstudentloanservicing 2.5000000
## gTags.fctrOlderAmerican 0.3155995
## gTags.fctrOlderAmericanServicemember 0.5567118
## gTags.fctrServicemember 0.2642889
## `gSPrd.fctrOther:.clusterid.fctr2` 0.6510010
## `gSPrd.fctrVehicleloan:.clusterid.fctr2` 2.5000000
## `gSPrd.fctrCheckingaccount:.clusterid.fctr2` 2.5000000
## `gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr2` 2.5000000
## `gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr2` 2.5000000
## `gSPrd.fctrIdonotknow:.clusterid.fctr2` 2.5000000
## `gSPrd.fctr:.clusterid.fctr2` 2.5000000
## `gSPrd.fctrOthermortgage:.clusterid.fctr2` 2.5000000
## `gSPrd.fctrCreditcard:.clusterid.fctr2` 2.5000000
## `gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr2` 2.5000000
## `gSPrd.fctrOtherbankproduct/service:.clusterid.fctr2` 2.5000000
## `gSPrd.fctrNon-federalstudentloan:.clusterid.fctr2` 2.5000000
## `gSPrd.fctrFHAmortgage:.clusterid.fctr2` 2.5000000
## `gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr2` 2.5000000
## `gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr2` 2.5000000
## `gSPrd.fctrVehiclelease:.clusterid.fctr2` 2.5000000
## `gSPrd.fctrSavingsaccount:.clusterid.fctr2` 2.5000000
## `gSPrd.fctrFederalstudentloan:.clusterid.fctr2` 2.5000000
## `gSPrd.fctrMortgage:.clusterid.fctr2` 2.5000000
## `gSPrd.fctrReversemortgage:.clusterid.fctr2` 2.5000000
## `gSPrd.fctrAuto:.clusterid.fctr2` 2.5000000
## `gSPrd.fctrInstallmentloan:.clusterid.fctr2` 2.5000000
## `gSPrd.fctrMedical:.clusterid.fctr2` 2.5000000
## `gSPrd.fctrVAmortgage:.clusterid.fctr2` 2.5000000
## `gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr2` 2.5000000
## `gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr2` 2.5000000
## `gSPrd.fctrPersonallineofcredit:.clusterid.fctr2` 2.5000000
## `gSPrd.fctrSecondmortgage:.clusterid.fctr2` 2.5000000
## `gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr2` 2.5000000
## `gSPrd.fctrPaydayloan:.clusterid.fctr2` 2.5000000
## `gSPrd.fctrCheckcashing:.clusterid.fctr2` 2.5000000
## `gSPrd.fctrMobilewallet:.clusterid.fctr2` 0.5897698
## `gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr2` 0.7506264
## `gSPrd.fctrGiftormerchantcard:.clusterid.fctr2` 0.7463410
## `gSPrd.fctrGeneralpurposecard:.clusterid.fctr2` 0.5747220
## `gSPrd.fctrTitleloan:.clusterid.fctr2` 2.5000000
## `gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr2` 2.5000000
## `gSPrd.fctrRefundanticipationcheck:.clusterid.fctr2` 2.5000000
## `gSPrd.fctrDebtsettlement:.clusterid.fctr2` 2.5000000
## `gSPrd.fctrPayrollcard:.clusterid.fctr2` 0.8075911
## `gSPrd.fctrIDprepaidcard:.clusterid.fctr2` 1.0202678
## `gSPrd.fctrCreditrepair:.clusterid.fctr2` 2.5000000
## `gSPrd.fctrPawnloan:.clusterid.fctr2` 2.5000000
## `gSPrd.fctrMoneyorder:.clusterid.fctr2` 2.5000000
## `gSPrd.fctrTraveler\\342\\200\\231s/Cashier\\342\\200\\231schecks:.clusterid.fctr2` 2.5000000
## `gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr2` 2.5000000
## `gSPrd.fctrOther:.clusterid.fctr3` 0.8606166
## `gSPrd.fctrVehicleloan:.clusterid.fctr3` 2.5000000
## `gSPrd.fctrCheckingaccount:.clusterid.fctr3` 2.5000000
## `gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr3` 2.5000000
## `gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr3` 2.5000000
## `gSPrd.fctrIdonotknow:.clusterid.fctr3` 2.5000000
## `gSPrd.fctr:.clusterid.fctr3` 2.5000000
## `gSPrd.fctrOthermortgage:.clusterid.fctr3` 2.5000000
## `gSPrd.fctrCreditcard:.clusterid.fctr3` 2.5000000
## `gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr3` 2.5000000
## `gSPrd.fctrOtherbankproduct/service:.clusterid.fctr3` 2.5000000
## `gSPrd.fctrNon-federalstudentloan:.clusterid.fctr3` 2.5000000
## `gSPrd.fctrFHAmortgage:.clusterid.fctr3` 2.5000000
## `gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr3` 2.5000000
## `gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr3` 2.5000000
## `gSPrd.fctrVehiclelease:.clusterid.fctr3` 2.5000000
## `gSPrd.fctrSavingsaccount:.clusterid.fctr3` 2.5000000
## `gSPrd.fctrFederalstudentloan:.clusterid.fctr3` 2.5000000
## `gSPrd.fctrMortgage:.clusterid.fctr3` 2.5000000
## `gSPrd.fctrReversemortgage:.clusterid.fctr3` 2.5000000
## `gSPrd.fctrAuto:.clusterid.fctr3` 2.5000000
## `gSPrd.fctrInstallmentloan:.clusterid.fctr3` 2.5000000
## `gSPrd.fctrMedical:.clusterid.fctr3` 2.5000000
## `gSPrd.fctrVAmortgage:.clusterid.fctr3` 2.5000000
## `gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr3` 2.5000000
## `gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr3` 2.5000000
## `gSPrd.fctrPersonallineofcredit:.clusterid.fctr3` 2.5000000
## `gSPrd.fctrSecondmortgage:.clusterid.fctr3` 2.5000000
## `gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr3` 2.5000000
## `gSPrd.fctrPaydayloan:.clusterid.fctr3` 2.5000000
## `gSPrd.fctrCheckcashing:.clusterid.fctr3` 2.5000000
## `gSPrd.fctrMobilewallet:.clusterid.fctr3` 0.8132020
## `gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr3` 2.5000000
## `gSPrd.fctrGiftormerchantcard:.clusterid.fctr3` 0.9193033
## `gSPrd.fctrGeneralpurposecard:.clusterid.fctr3` 0.7404740
## `gSPrd.fctrTitleloan:.clusterid.fctr3` 2.5000000
## `gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr3` 2.5000000
## `gSPrd.fctrRefundanticipationcheck:.clusterid.fctr3` 2.5000000
## `gSPrd.fctrDebtsettlement:.clusterid.fctr3` 2.5000000
## `gSPrd.fctrPayrollcard:.clusterid.fctr3` 2.5000000
## `gSPrd.fctrIDprepaidcard:.clusterid.fctr3` 0.9085628
## `gSPrd.fctrCreditrepair:.clusterid.fctr3` 2.5000000
## `gSPrd.fctrPawnloan:.clusterid.fctr3` 2.5000000
## `gSPrd.fctrMoneyorder:.clusterid.fctr3` 2.5000000
## `gSPrd.fctrTraveler\\342\\200\\231s/Cashier\\342\\200\\231schecks:.clusterid.fctr3` 2.5000000
## `gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr3` 2.5000000
## `gSPrd.fctrOther:.clusterid.fctr4` 1.6533772
## `gSPrd.fctrVehicleloan:.clusterid.fctr4` 2.5000000
## `gSPrd.fctrCheckingaccount:.clusterid.fctr4` 2.5000000
## `gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr4` 2.5000000
## `gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr4` 2.5000000
## `gSPrd.fctrIdonotknow:.clusterid.fctr4` 2.5000000
## `gSPrd.fctr:.clusterid.fctr4` 2.5000000
## `gSPrd.fctrOthermortgage:.clusterid.fctr4` 2.5000000
## `gSPrd.fctrCreditcard:.clusterid.fctr4` 2.5000000
## `gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr4` 2.5000000
## `gSPrd.fctrOtherbankproduct/service:.clusterid.fctr4` 2.5000000
## `gSPrd.fctrNon-federalstudentloan:.clusterid.fctr4` 2.5000000
## `gSPrd.fctrFHAmortgage:.clusterid.fctr4` 2.5000000
## `gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr4` 2.5000000
## `gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr4` 2.5000000
## `gSPrd.fctrVehiclelease:.clusterid.fctr4` 2.5000000
## `gSPrd.fctrSavingsaccount:.clusterid.fctr4` 2.5000000
## `gSPrd.fctrFederalstudentloan:.clusterid.fctr4` 2.5000000
## `gSPrd.fctrMortgage:.clusterid.fctr4` 2.5000000
## `gSPrd.fctrReversemortgage:.clusterid.fctr4` 2.5000000
## `gSPrd.fctrAuto:.clusterid.fctr4` 2.5000000
## `gSPrd.fctrInstallmentloan:.clusterid.fctr4` 2.5000000
## `gSPrd.fctrMedical:.clusterid.fctr4` 2.5000000
## `gSPrd.fctrVAmortgage:.clusterid.fctr4` 2.5000000
## `gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr4` 2.5000000
## `gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr4` 2.5000000
## `gSPrd.fctrPersonallineofcredit:.clusterid.fctr4` 2.5000000
## `gSPrd.fctrSecondmortgage:.clusterid.fctr4` 2.5000000
## `gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr4` 2.5000000
## `gSPrd.fctrPaydayloan:.clusterid.fctr4` 2.5000000
## `gSPrd.fctrCheckcashing:.clusterid.fctr4` 2.5000000
## `gSPrd.fctrMobilewallet:.clusterid.fctr4` 2.5000000
## `gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr4` 2.5000000
## `gSPrd.fctrGiftormerchantcard:.clusterid.fctr4` 2.5000000
## `gSPrd.fctrGeneralpurposecard:.clusterid.fctr4` 2.5000000
## `gSPrd.fctrTitleloan:.clusterid.fctr4` 2.5000000
## `gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr4` 2.5000000
## `gSPrd.fctrRefundanticipationcheck:.clusterid.fctr4` 2.5000000
## `gSPrd.fctrDebtsettlement:.clusterid.fctr4` 2.5000000
## `gSPrd.fctrPayrollcard:.clusterid.fctr4` 2.5000000
## `gSPrd.fctrIDprepaidcard:.clusterid.fctr4` 2.5000000
## `gSPrd.fctrCreditrepair:.clusterid.fctr4` 2.5000000
## `gSPrd.fctrPawnloan:.clusterid.fctr4` 2.5000000
## `gSPrd.fctrMoneyorder:.clusterid.fctr4` 2.5000000
## `gSPrd.fctrTraveler\\342\\200\\231s/Cashier\\342\\200\\231schecks:.clusterid.fctr4` 2.5000000
## `gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr4` 2.5000000
## z value
## (Intercept) -1.420
## .clusterid 0.395
## Channel.fctrFax -1.582
## Channel.fctrPhone -3.904
## Channel.fctrPostalmail -1.881
## Channel.fctrReferral -3.762
## `Datereceived.date.fctr(7,13]` 0.044
## `Datereceived.date.fctr(13,19]` 0.007
## `Datereceived.date.fctr(19,25]` 0.015
## `Datereceived.date.fctr(25,31]` -0.027
## Datereceived.juliandate 0.120
## Datereceived.last16.log1p 0.081
## Datereceived.last2.log1p 0.205
## Datereceived.last32.log1p -0.026
## Datereceived.last4.log1p 0.002
## Datereceived.last8.log1p 0.162
## Datereceived.month.fctr02 -0.088
## Datereceived.month.fctr03 -0.180
## Datereceived.month.fctr04 0.064
## Datereceived.month.fctr05 0.125
## Datereceived.month.fctr06 -0.269
## Datereceived.month.fctr07 0.170
## Datereceived.month.fctr08 0.075
## Datereceived.month.fctr09 0.070
## Datereceived.month.fctr10 0.042
## Datereceived.month.fctr11 -0.110
## Datereceived.month.fctr12 0.010
## Datereceived.wkday.fctr1 0.081
## Datereceived.wkday.fctr2 0.022
## Datereceived.wkday.fctr3 0.004
## Datereceived.wkday.fctr4 0.073
## Datereceived.wkday.fctr5 0.097
## Datereceived.wkday.fctr6 0.175
## Datereceived.wkend -0.282
## Datereceived.year.fctr2015 0.217
## Datereceived.year.fctr2016 0.350
## `Datesenttocompany.date.fctr(7,13]` 0.044
## `Datesenttocompany.date.fctr(13,19]` 0.007
## `Datesenttocompany.date.fctr(19,25]` 0.015
## `Datesenttocompany.date.fctr(25,31]` -0.027
## Datesenttocompany.juliandate 0.120
## Datesenttocompany.last16.log1p 0.081
## Datesenttocompany.last2.log1p 0.205
## Datesenttocompany.last32.log1p -0.026
## Datesenttocompany.last4.log1p 0.002
## Datesenttocompany.last8.log1p 0.162
## Datesenttocompany.month.fctr02 -0.088
## Datesenttocompany.month.fctr03 -0.180
## Datesenttocompany.month.fctr04 0.064
## Datesenttocompany.month.fctr05 0.125
## Datesenttocompany.month.fctr06 -0.269
## Datesenttocompany.month.fctr07 0.170
## Datesenttocompany.month.fctr08 0.075
## Datesenttocompany.month.fctr09 0.070
## Datesenttocompany.month.fctr10 0.042
## Datesenttocompany.month.fctr11 -0.110
## Datesenttocompany.month.fctr12 0.010
## Datesenttocompany.wkday.fctr1 0.081
## Datesenttocompany.wkday.fctr2 0.022
## Datesenttocompany.wkday.fctr3 0.004
## Datesenttocompany.wkday.fctr4 0.073
## Datesenttocompany.wkday.fctr5 0.097
## Datesenttocompany.wkday.fctr6 0.175
## Datesenttocompany.wkend -0.282
## Datesenttocompany.year.fctr2015 0.217
## Datesenttocompany.year.fctr2016 0.350
## Response.fctrClosed -0.322
## Response.fctrClosedwithmonetaryrelief -6.241
## `Response.fctrClosedwithnon-monetaryrelief` -4.115
## Response.fctrInprogress 0.000
## Response.fctrUntimelyresponse 0.000
## `Rgn.Dvn.fctrMW#EastNorthCentral` -1.383
## `Rgn.Dvn.fctrMW#WestNorthCentral` -0.988
## `Rgn.Dvn.fctrMW#WestNorthCentral#MidAtlantic` -0.036
## `Rgn.Dvn.fctrMW#WestNorthCentral#NewEngland` -0.401
## `Rgn.Dvn.fctrOT#Other` -0.246
## `Rgn.Dvn.fctrSH#EastSouthCentral` -1.167
## `Rgn.Dvn.fctrSH#WestSouthCentral` 0.164
## `Rgn.Dvn.fctrWT#Mountain` 0.612
## `Rgn.Dvn.fctrWT#Pacific` 0.824
## Sent.Recd.Dys -0.346
## Sent.Recd.Dys.log1p -0.093
## Sent.Recd.Dys.nexp 0.206
## Sent.Recd.Dys.root2 0.106
## gCConsent.fctrConsentnotprovided -1.722
## gCConsent.fctrConsentprovided -2.381
## gCConsent.fctrOther -0.531
## gCompany.fctrAmex 2.645
## gCompany.fctrBlackhawkNetworkHoldingsInc. 1.205
## gCompany.fctrCitibank 0.627
## gCompany.fctrComerica 0.467
## `gCompany.fctrNetSpendCorporation,aTSYSCompany` -1.854
## gCompany.fctrOther 0.204
## `gCompany.fctrPayPalHoldings,Inc.` 0.627
## gCompany.fctrU.S.Bancorp 0.064
## gSPrd.fctrVehicleloan 0.000
## gSPrd.fctrCheckingaccount 0.000
## gSPrd.fctrConventionalfixedmortgage 0.000
## `gSPrd.fctrOther(i.e.phone,healthclub,etc.)` 0.000
## gSPrd.fctrIdonotknow 0.000
## gSPrd.fctr 0.000
## gSPrd.fctrOthermortgage 0.000
## gSPrd.fctrCreditcard 0.000
## `gSPrd.fctrConventionaladjustablemortgage(ARM)` 0.000
## `gSPrd.fctrOtherbankproduct/service` 0.000
## `gSPrd.fctrNon-federalstudentloan` 0.000
## gSPrd.fctrFHAmortgage 0.000
## `gSPrd.fctr(CD)Certificateofdeposit` 0.000
## gSPrd.fctrHomeequityloanorlineofcredit 0.000
## gSPrd.fctrVehiclelease 0.000
## gSPrd.fctrSavingsaccount 0.000
## gSPrd.fctrFederalstudentloan 0.000
## gSPrd.fctrMortgage 0.000
## gSPrd.fctrReversemortgage 0.000
## gSPrd.fctrAuto 0.000
## gSPrd.fctrInstallmentloan 0.000
## gSPrd.fctrMedical 0.000
## gSPrd.fctrVAmortgage 0.000
## `gSPrd.fctrDomestic(US)moneytransfer` 0.000
## gSPrd.fctrInternationalmoneytransfer 0.000
## gSPrd.fctrPersonallineofcredit 0.000
## gSPrd.fctrSecondmortgage 0.000
## gSPrd.fctrCashingacheckwithoutanaccount 0.000
## gSPrd.fctrPaydayloan 0.000
## gSPrd.fctrCheckcashing 0.000
## gSPrd.fctrMobilewallet 0.521
## gSPrd.fctrGovernmentbenefitpaymentcard 0.147
## gSPrd.fctrGiftormerchantcard 0.660
## gSPrd.fctrGeneralpurposecard 0.023
## gSPrd.fctrTitleloan 0.000
## gSPrd.fctrForeigncurrencyexchange 0.000
## gSPrd.fctrRefundanticipationcheck 0.000
## gSPrd.fctrDebtsettlement 0.000
## gSPrd.fctrPayrollcard -1.147
## gSPrd.fctrIDprepaidcard -0.297
## gSPrd.fctrCreditrepair 0.000
## gSPrd.fctrPawnloan 0.000
## gSPrd.fctrMoneyorder 0.000
## `gSPrd.fctrTraveler\\342\\200\\231s/Cashier\\342\\200\\231schecks` 0.000
## gSPrd.fctrFederalstudentloanservicing 0.000
## gTags.fctrOlderAmerican 1.192
## gTags.fctrOlderAmericanServicemember -0.122
## gTags.fctrServicemember 3.037
## `gSPrd.fctrOther:.clusterid.fctr2` 1.181
## `gSPrd.fctrVehicleloan:.clusterid.fctr2` 0.000
## `gSPrd.fctrCheckingaccount:.clusterid.fctr2` 0.000
## `gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr2` 0.000
## `gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr2` 0.000
## `gSPrd.fctrIdonotknow:.clusterid.fctr2` 0.000
## `gSPrd.fctr:.clusterid.fctr2` 0.000
## `gSPrd.fctrOthermortgage:.clusterid.fctr2` 0.000
## `gSPrd.fctrCreditcard:.clusterid.fctr2` 0.000
## `gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr2` 0.000
## `gSPrd.fctrOtherbankproduct/service:.clusterid.fctr2` 0.000
## `gSPrd.fctrNon-federalstudentloan:.clusterid.fctr2` 0.000
## `gSPrd.fctrFHAmortgage:.clusterid.fctr2` 0.000
## `gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr2` 0.000
## `gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr2` 0.000
## `gSPrd.fctrVehiclelease:.clusterid.fctr2` 0.000
## `gSPrd.fctrSavingsaccount:.clusterid.fctr2` 0.000
## `gSPrd.fctrFederalstudentloan:.clusterid.fctr2` 0.000
## `gSPrd.fctrMortgage:.clusterid.fctr2` 0.000
## `gSPrd.fctrReversemortgage:.clusterid.fctr2` 0.000
## `gSPrd.fctrAuto:.clusterid.fctr2` 0.000
## `gSPrd.fctrInstallmentloan:.clusterid.fctr2` 0.000
## `gSPrd.fctrMedical:.clusterid.fctr2` 0.000
## `gSPrd.fctrVAmortgage:.clusterid.fctr2` 0.000
## `gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr2` 0.000
## `gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr2` 0.000
## `gSPrd.fctrPersonallineofcredit:.clusterid.fctr2` 0.000
## `gSPrd.fctrSecondmortgage:.clusterid.fctr2` 0.000
## `gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr2` 0.000
## `gSPrd.fctrPaydayloan:.clusterid.fctr2` 0.000
## `gSPrd.fctrCheckcashing:.clusterid.fctr2` 0.000
## `gSPrd.fctrMobilewallet:.clusterid.fctr2` -0.056
## `gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr2` 0.165
## `gSPrd.fctrGiftormerchantcard:.clusterid.fctr2` -0.012
## `gSPrd.fctrGeneralpurposecard:.clusterid.fctr2` 0.394
## `gSPrd.fctrTitleloan:.clusterid.fctr2` 0.000
## `gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr2` 0.000
## `gSPrd.fctrRefundanticipationcheck:.clusterid.fctr2` 0.000
## `gSPrd.fctrDebtsettlement:.clusterid.fctr2` 0.000
## `gSPrd.fctrPayrollcard:.clusterid.fctr2` 1.357
## `gSPrd.fctrIDprepaidcard:.clusterid.fctr2` -0.329
## `gSPrd.fctrCreditrepair:.clusterid.fctr2` 0.000
## `gSPrd.fctrPawnloan:.clusterid.fctr2` 0.000
## `gSPrd.fctrMoneyorder:.clusterid.fctr2` 0.000
## `gSPrd.fctrTraveler\\342\\200\\231s/Cashier\\342\\200\\231schecks:.clusterid.fctr2` 0.000
## `gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr2` 0.000
## `gSPrd.fctrOther:.clusterid.fctr3` -0.052
## `gSPrd.fctrVehicleloan:.clusterid.fctr3` 0.000
## `gSPrd.fctrCheckingaccount:.clusterid.fctr3` 0.000
## `gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr3` 0.000
## `gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr3` 0.000
## `gSPrd.fctrIdonotknow:.clusterid.fctr3` 0.000
## `gSPrd.fctr:.clusterid.fctr3` 0.000
## `gSPrd.fctrOthermortgage:.clusterid.fctr3` 0.000
## `gSPrd.fctrCreditcard:.clusterid.fctr3` 0.000
## `gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr3` 0.000
## `gSPrd.fctrOtherbankproduct/service:.clusterid.fctr3` 0.000
## `gSPrd.fctrNon-federalstudentloan:.clusterid.fctr3` 0.000
## `gSPrd.fctrFHAmortgage:.clusterid.fctr3` 0.000
## `gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr3` 0.000
## `gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr3` 0.000
## `gSPrd.fctrVehiclelease:.clusterid.fctr3` 0.000
## `gSPrd.fctrSavingsaccount:.clusterid.fctr3` 0.000
## `gSPrd.fctrFederalstudentloan:.clusterid.fctr3` 0.000
## `gSPrd.fctrMortgage:.clusterid.fctr3` 0.000
## `gSPrd.fctrReversemortgage:.clusterid.fctr3` 0.000
## `gSPrd.fctrAuto:.clusterid.fctr3` 0.000
## `gSPrd.fctrInstallmentloan:.clusterid.fctr3` 0.000
## `gSPrd.fctrMedical:.clusterid.fctr3` 0.000
## `gSPrd.fctrVAmortgage:.clusterid.fctr3` 0.000
## `gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr3` 0.000
## `gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr3` 0.000
## `gSPrd.fctrPersonallineofcredit:.clusterid.fctr3` 0.000
## `gSPrd.fctrSecondmortgage:.clusterid.fctr3` 0.000
## `gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr3` 0.000
## `gSPrd.fctrPaydayloan:.clusterid.fctr3` 0.000
## `gSPrd.fctrCheckcashing:.clusterid.fctr3` 0.000
## `gSPrd.fctrMobilewallet:.clusterid.fctr3` 0.939
## `gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr3` 0.000
## `gSPrd.fctrGiftormerchantcard:.clusterid.fctr3` 0.394
## `gSPrd.fctrGeneralpurposecard:.clusterid.fctr3` -0.402
## `gSPrd.fctrTitleloan:.clusterid.fctr3` 0.000
## `gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr3` 0.000
## `gSPrd.fctrRefundanticipationcheck:.clusterid.fctr3` 0.000
## `gSPrd.fctrDebtsettlement:.clusterid.fctr3` 0.000
## `gSPrd.fctrPayrollcard:.clusterid.fctr3` 0.000
## `gSPrd.fctrIDprepaidcard:.clusterid.fctr3` 0.013
## `gSPrd.fctrCreditrepair:.clusterid.fctr3` 0.000
## `gSPrd.fctrPawnloan:.clusterid.fctr3` 0.000
## `gSPrd.fctrMoneyorder:.clusterid.fctr3` 0.000
## `gSPrd.fctrTraveler\\342\\200\\231s/Cashier\\342\\200\\231schecks:.clusterid.fctr3` 0.000
## `gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr3` 0.000
## `gSPrd.fctrOther:.clusterid.fctr4` -0.894
## `gSPrd.fctrVehicleloan:.clusterid.fctr4` 0.000
## `gSPrd.fctrCheckingaccount:.clusterid.fctr4` 0.000
## `gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr4` 0.000
## `gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr4` 0.000
## `gSPrd.fctrIdonotknow:.clusterid.fctr4` 0.000
## `gSPrd.fctr:.clusterid.fctr4` 0.000
## `gSPrd.fctrOthermortgage:.clusterid.fctr4` 0.000
## `gSPrd.fctrCreditcard:.clusterid.fctr4` 0.000
## `gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr4` 0.000
## `gSPrd.fctrOtherbankproduct/service:.clusterid.fctr4` 0.000
## `gSPrd.fctrNon-federalstudentloan:.clusterid.fctr4` 0.000
## `gSPrd.fctrFHAmortgage:.clusterid.fctr4` 0.000
## `gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr4` 0.000
## `gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr4` 0.000
## `gSPrd.fctrVehiclelease:.clusterid.fctr4` 0.000
## `gSPrd.fctrSavingsaccount:.clusterid.fctr4` 0.000
## `gSPrd.fctrFederalstudentloan:.clusterid.fctr4` 0.000
## `gSPrd.fctrMortgage:.clusterid.fctr4` 0.000
## `gSPrd.fctrReversemortgage:.clusterid.fctr4` 0.000
## `gSPrd.fctrAuto:.clusterid.fctr4` 0.000
## `gSPrd.fctrInstallmentloan:.clusterid.fctr4` 0.000
## `gSPrd.fctrMedical:.clusterid.fctr4` 0.000
## `gSPrd.fctrVAmortgage:.clusterid.fctr4` 0.000
## `gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr4` 0.000
## `gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr4` 0.000
## `gSPrd.fctrPersonallineofcredit:.clusterid.fctr4` 0.000
## `gSPrd.fctrSecondmortgage:.clusterid.fctr4` 0.000
## `gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr4` 0.000
## `gSPrd.fctrPaydayloan:.clusterid.fctr4` 0.000
## `gSPrd.fctrCheckcashing:.clusterid.fctr4` 0.000
## `gSPrd.fctrMobilewallet:.clusterid.fctr4` 0.000
## `gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr4` 0.000
## `gSPrd.fctrGiftormerchantcard:.clusterid.fctr4` 0.000
## `gSPrd.fctrGeneralpurposecard:.clusterid.fctr4` 0.000
## `gSPrd.fctrTitleloan:.clusterid.fctr4` 0.000
## `gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr4` 0.000
## `gSPrd.fctrRefundanticipationcheck:.clusterid.fctr4` 0.000
## `gSPrd.fctrDebtsettlement:.clusterid.fctr4` 0.000
## `gSPrd.fctrPayrollcard:.clusterid.fctr4` 0.000
## `gSPrd.fctrIDprepaidcard:.clusterid.fctr4` 0.000
## `gSPrd.fctrCreditrepair:.clusterid.fctr4` 0.000
## `gSPrd.fctrPawnloan:.clusterid.fctr4` 0.000
## `gSPrd.fctrMoneyorder:.clusterid.fctr4` 0.000
## `gSPrd.fctrTraveler\\342\\200\\231s/Cashier\\342\\200\\231schecks:.clusterid.fctr4` 0.000
## `gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr4` 0.000
## Pr(>|z|)
## (Intercept) 0.155496
## .clusterid 0.692967
## Channel.fctrFax 0.113550
## Channel.fctrPhone 9.48e-05
## Channel.fctrPostalmail 0.060015
## Channel.fctrReferral 0.000169
## `Datereceived.date.fctr(7,13]` 0.965291
## `Datereceived.date.fctr(13,19]` 0.994699
## `Datereceived.date.fctr(19,25]` 0.988124
## `Datereceived.date.fctr(25,31]` 0.978841
## Datereceived.juliandate 0.904567
## Datereceived.last16.log1p 0.935559
## Datereceived.last2.log1p 0.837486
## Datereceived.last32.log1p 0.979562
## Datereceived.last4.log1p 0.998011
## Datereceived.last8.log1p 0.870979
## Datereceived.month.fctr02 0.930077
## Datereceived.month.fctr03 0.856901
## Datereceived.month.fctr04 0.948991
## Datereceived.month.fctr05 0.900315
## Datereceived.month.fctr06 0.787656
## Datereceived.month.fctr07 0.865403
## Datereceived.month.fctr08 0.940131
## Datereceived.month.fctr09 0.944186
## Datereceived.month.fctr10 0.966891
## Datereceived.month.fctr11 0.912389
## Datereceived.month.fctr12 0.991742
## Datereceived.wkday.fctr1 0.935362
## Datereceived.wkday.fctr2 0.982159
## Datereceived.wkday.fctr3 0.996580
## Datereceived.wkday.fctr4 0.941832
## Datereceived.wkday.fctr5 0.922593
## Datereceived.wkday.fctr6 0.861311
## Datereceived.wkend 0.777857
## Datereceived.year.fctr2015 0.827838
## Datereceived.year.fctr2016 0.726052
## `Datesenttocompany.date.fctr(7,13]` 0.965291
## `Datesenttocompany.date.fctr(13,19]` 0.994699
## `Datesenttocompany.date.fctr(19,25]` 0.988124
## `Datesenttocompany.date.fctr(25,31]` 0.978841
## Datesenttocompany.juliandate 0.904567
## Datesenttocompany.last16.log1p 0.935559
## Datesenttocompany.last2.log1p 0.837486
## Datesenttocompany.last32.log1p 0.979562
## Datesenttocompany.last4.log1p 0.998011
## Datesenttocompany.last8.log1p 0.870979
## Datesenttocompany.month.fctr02 0.930077
## Datesenttocompany.month.fctr03 0.856901
## Datesenttocompany.month.fctr04 0.948991
## Datesenttocompany.month.fctr05 0.900315
## Datesenttocompany.month.fctr06 0.787656
## Datesenttocompany.month.fctr07 0.865403
## Datesenttocompany.month.fctr08 0.940131
## Datesenttocompany.month.fctr09 0.944186
## Datesenttocompany.month.fctr10 0.966891
## Datesenttocompany.month.fctr11 0.912389
## Datesenttocompany.month.fctr12 0.991742
## Datesenttocompany.wkday.fctr1 0.935362
## Datesenttocompany.wkday.fctr2 0.982159
## Datesenttocompany.wkday.fctr3 0.996580
## Datesenttocompany.wkday.fctr4 0.941832
## Datesenttocompany.wkday.fctr5 0.922593
## Datesenttocompany.wkday.fctr6 0.861311
## Datesenttocompany.wkend 0.777857
## Datesenttocompany.year.fctr2015 0.827838
## Datesenttocompany.year.fctr2016 0.726052
## Response.fctrClosed 0.747308
## Response.fctrClosedwithmonetaryrelief 4.34e-10
## `Response.fctrClosedwithnon-monetaryrelief` 3.87e-05
## Response.fctrInprogress 1.000000
## Response.fctrUntimelyresponse 1.000000
## `Rgn.Dvn.fctrMW#EastNorthCentral` 0.166552
## `Rgn.Dvn.fctrMW#WestNorthCentral` 0.323380
## `Rgn.Dvn.fctrMW#WestNorthCentral#MidAtlantic` 0.971243
## `Rgn.Dvn.fctrMW#WestNorthCentral#NewEngland` 0.688718
## `Rgn.Dvn.fctrOT#Other` 0.805806
## `Rgn.Dvn.fctrSH#EastSouthCentral` 0.243219
## `Rgn.Dvn.fctrSH#WestSouthCentral` 0.869903
## `Rgn.Dvn.fctrWT#Mountain` 0.540864
## `Rgn.Dvn.fctrWT#Pacific` 0.410076
## Sent.Recd.Dys 0.729281
## Sent.Recd.Dys.log1p 0.925657
## Sent.Recd.Dys.nexp 0.836435
## Sent.Recd.Dys.root2 0.915866
## gCConsent.fctrConsentnotprovided 0.085142
## gCConsent.fctrConsentprovided 0.017257
## gCConsent.fctrOther 0.595461
## gCompany.fctrAmex 0.008161
## gCompany.fctrBlackhawkNetworkHoldingsInc. 0.228396
## gCompany.fctrCitibank 0.530765
## gCompany.fctrComerica 0.640425
## `gCompany.fctrNetSpendCorporation,aTSYSCompany` 0.063730
## gCompany.fctrOther 0.838057
## `gCompany.fctrPayPalHoldings,Inc.` 0.530337
## gCompany.fctrU.S.Bancorp 0.949204
## gSPrd.fctrVehicleloan 1.000000
## gSPrd.fctrCheckingaccount 1.000000
## gSPrd.fctrConventionalfixedmortgage 1.000000
## `gSPrd.fctrOther(i.e.phone,healthclub,etc.)` 1.000000
## gSPrd.fctrIdonotknow 1.000000
## gSPrd.fctr 1.000000
## gSPrd.fctrOthermortgage 1.000000
## gSPrd.fctrCreditcard 1.000000
## `gSPrd.fctrConventionaladjustablemortgage(ARM)` 1.000000
## `gSPrd.fctrOtherbankproduct/service` 1.000000
## `gSPrd.fctrNon-federalstudentloan` 1.000000
## gSPrd.fctrFHAmortgage 1.000000
## `gSPrd.fctr(CD)Certificateofdeposit` 1.000000
## gSPrd.fctrHomeequityloanorlineofcredit 1.000000
## gSPrd.fctrVehiclelease 1.000000
## gSPrd.fctrSavingsaccount 1.000000
## gSPrd.fctrFederalstudentloan 1.000000
## gSPrd.fctrMortgage 1.000000
## gSPrd.fctrReversemortgage 1.000000
## gSPrd.fctrAuto 1.000000
## gSPrd.fctrInstallmentloan 1.000000
## gSPrd.fctrMedical 1.000000
## gSPrd.fctrVAmortgage 1.000000
## `gSPrd.fctrDomestic(US)moneytransfer` 1.000000
## gSPrd.fctrInternationalmoneytransfer 1.000000
## gSPrd.fctrPersonallineofcredit 1.000000
## gSPrd.fctrSecondmortgage 1.000000
## gSPrd.fctrCashingacheckwithoutanaccount 1.000000
## gSPrd.fctrPaydayloan 1.000000
## gSPrd.fctrCheckcashing 1.000000
## gSPrd.fctrMobilewallet 0.602070
## gSPrd.fctrGovernmentbenefitpaymentcard 0.883197
## gSPrd.fctrGiftormerchantcard 0.509539
## gSPrd.fctrGeneralpurposecard 0.981793
## gSPrd.fctrTitleloan 1.000000
## gSPrd.fctrForeigncurrencyexchange 1.000000
## gSPrd.fctrRefundanticipationcheck 1.000000
## gSPrd.fctrDebtsettlement 1.000000
## gSPrd.fctrPayrollcard 0.251198
## gSPrd.fctrIDprepaidcard 0.766327
## gSPrd.fctrCreditrepair 1.000000
## gSPrd.fctrPawnloan 1.000000
## gSPrd.fctrMoneyorder 1.000000
## `gSPrd.fctrTraveler\\342\\200\\231s/Cashier\\342\\200\\231schecks` 1.000000
## gSPrd.fctrFederalstudentloanservicing 1.000000
## gTags.fctrOlderAmerican 0.233075
## gTags.fctrOlderAmericanServicemember 0.903122
## gTags.fctrServicemember 0.002391
## `gSPrd.fctrOther:.clusterid.fctr2` 0.237471
## `gSPrd.fctrVehicleloan:.clusterid.fctr2` 1.000000
## `gSPrd.fctrCheckingaccount:.clusterid.fctr2` 1.000000
## `gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr2` 1.000000
## `gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr2` 1.000000
## `gSPrd.fctrIdonotknow:.clusterid.fctr2` 1.000000
## `gSPrd.fctr:.clusterid.fctr2` 1.000000
## `gSPrd.fctrOthermortgage:.clusterid.fctr2` 1.000000
## `gSPrd.fctrCreditcard:.clusterid.fctr2` 1.000000
## `gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr2` 1.000000
## `gSPrd.fctrOtherbankproduct/service:.clusterid.fctr2` 1.000000
## `gSPrd.fctrNon-federalstudentloan:.clusterid.fctr2` 1.000000
## `gSPrd.fctrFHAmortgage:.clusterid.fctr2` 1.000000
## `gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr2` 1.000000
## `gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr2` 1.000000
## `gSPrd.fctrVehiclelease:.clusterid.fctr2` 1.000000
## `gSPrd.fctrSavingsaccount:.clusterid.fctr2` 1.000000
## `gSPrd.fctrFederalstudentloan:.clusterid.fctr2` 1.000000
## `gSPrd.fctrMortgage:.clusterid.fctr2` 1.000000
## `gSPrd.fctrReversemortgage:.clusterid.fctr2` 1.000000
## `gSPrd.fctrAuto:.clusterid.fctr2` 1.000000
## `gSPrd.fctrInstallmentloan:.clusterid.fctr2` 1.000000
## `gSPrd.fctrMedical:.clusterid.fctr2` 1.000000
## `gSPrd.fctrVAmortgage:.clusterid.fctr2` 1.000000
## `gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr2` 1.000000
## `gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr2` 1.000000
## `gSPrd.fctrPersonallineofcredit:.clusterid.fctr2` 1.000000
## `gSPrd.fctrSecondmortgage:.clusterid.fctr2` 1.000000
## `gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr2` 1.000000
## `gSPrd.fctrPaydayloan:.clusterid.fctr2` 1.000000
## `gSPrd.fctrCheckcashing:.clusterid.fctr2` 1.000000
## `gSPrd.fctrMobilewallet:.clusterid.fctr2` 0.955366
## `gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr2` 0.868715
## `gSPrd.fctrGiftormerchantcard:.clusterid.fctr2` 0.990821
## `gSPrd.fctrGeneralpurposecard:.clusterid.fctr2` 0.693569
## `gSPrd.fctrTitleloan:.clusterid.fctr2` 1.000000
## `gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr2` 1.000000
## `gSPrd.fctrRefundanticipationcheck:.clusterid.fctr2` 1.000000
## `gSPrd.fctrDebtsettlement:.clusterid.fctr2` 1.000000
## `gSPrd.fctrPayrollcard:.clusterid.fctr2` 0.174747
## `gSPrd.fctrIDprepaidcard:.clusterid.fctr2` 0.742003
## `gSPrd.fctrCreditrepair:.clusterid.fctr2` 1.000000
## `gSPrd.fctrPawnloan:.clusterid.fctr2` 1.000000
## `gSPrd.fctrMoneyorder:.clusterid.fctr2` 1.000000
## `gSPrd.fctrTraveler\\342\\200\\231s/Cashier\\342\\200\\231schecks:.clusterid.fctr2` 1.000000
## `gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr2` 1.000000
## `gSPrd.fctrOther:.clusterid.fctr3` 0.958898
## `gSPrd.fctrVehicleloan:.clusterid.fctr3` 1.000000
## `gSPrd.fctrCheckingaccount:.clusterid.fctr3` 1.000000
## `gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr3` 1.000000
## `gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr3` 1.000000
## `gSPrd.fctrIdonotknow:.clusterid.fctr3` 1.000000
## `gSPrd.fctr:.clusterid.fctr3` 1.000000
## `gSPrd.fctrOthermortgage:.clusterid.fctr3` 1.000000
## `gSPrd.fctrCreditcard:.clusterid.fctr3` 1.000000
## `gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr3` 1.000000
## `gSPrd.fctrOtherbankproduct/service:.clusterid.fctr3` 1.000000
## `gSPrd.fctrNon-federalstudentloan:.clusterid.fctr3` 1.000000
## `gSPrd.fctrFHAmortgage:.clusterid.fctr3` 1.000000
## `gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr3` 1.000000
## `gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr3` 1.000000
## `gSPrd.fctrVehiclelease:.clusterid.fctr3` 1.000000
## `gSPrd.fctrSavingsaccount:.clusterid.fctr3` 1.000000
## `gSPrd.fctrFederalstudentloan:.clusterid.fctr3` 1.000000
## `gSPrd.fctrMortgage:.clusterid.fctr3` 1.000000
## `gSPrd.fctrReversemortgage:.clusterid.fctr3` 1.000000
## `gSPrd.fctrAuto:.clusterid.fctr3` 1.000000
## `gSPrd.fctrInstallmentloan:.clusterid.fctr3` 1.000000
## `gSPrd.fctrMedical:.clusterid.fctr3` 1.000000
## `gSPrd.fctrVAmortgage:.clusterid.fctr3` 1.000000
## `gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr3` 1.000000
## `gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr3` 1.000000
## `gSPrd.fctrPersonallineofcredit:.clusterid.fctr3` 1.000000
## `gSPrd.fctrSecondmortgage:.clusterid.fctr3` 1.000000
## `gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr3` 1.000000
## `gSPrd.fctrPaydayloan:.clusterid.fctr3` 1.000000
## `gSPrd.fctrCheckcashing:.clusterid.fctr3` 1.000000
## `gSPrd.fctrMobilewallet:.clusterid.fctr3` 0.347907
## `gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr3` 1.000000
## `gSPrd.fctrGiftormerchantcard:.clusterid.fctr3` 0.693764
## `gSPrd.fctrGeneralpurposecard:.clusterid.fctr3` 0.687397
## `gSPrd.fctrTitleloan:.clusterid.fctr3` 1.000000
## `gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr3` 1.000000
## `gSPrd.fctrRefundanticipationcheck:.clusterid.fctr3` 1.000000
## `gSPrd.fctrDebtsettlement:.clusterid.fctr3` 1.000000
## `gSPrd.fctrPayrollcard:.clusterid.fctr3` 1.000000
## `gSPrd.fctrIDprepaidcard:.clusterid.fctr3` 0.989448
## `gSPrd.fctrCreditrepair:.clusterid.fctr3` 1.000000
## `gSPrd.fctrPawnloan:.clusterid.fctr3` 1.000000
## `gSPrd.fctrMoneyorder:.clusterid.fctr3` 1.000000
## `gSPrd.fctrTraveler\\342\\200\\231s/Cashier\\342\\200\\231schecks:.clusterid.fctr3` 1.000000
## `gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr3` 1.000000
## `gSPrd.fctrOther:.clusterid.fctr4` 0.371377
## `gSPrd.fctrVehicleloan:.clusterid.fctr4` 1.000000
## `gSPrd.fctrCheckingaccount:.clusterid.fctr4` 1.000000
## `gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr4` 1.000000
## `gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr4` 1.000000
## `gSPrd.fctrIdonotknow:.clusterid.fctr4` 1.000000
## `gSPrd.fctr:.clusterid.fctr4` 1.000000
## `gSPrd.fctrOthermortgage:.clusterid.fctr4` 1.000000
## `gSPrd.fctrCreditcard:.clusterid.fctr4` 1.000000
## `gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr4` 1.000000
## `gSPrd.fctrOtherbankproduct/service:.clusterid.fctr4` 1.000000
## `gSPrd.fctrNon-federalstudentloan:.clusterid.fctr4` 1.000000
## `gSPrd.fctrFHAmortgage:.clusterid.fctr4` 1.000000
## `gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr4` 1.000000
## `gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr4` 1.000000
## `gSPrd.fctrVehiclelease:.clusterid.fctr4` 1.000000
## `gSPrd.fctrSavingsaccount:.clusterid.fctr4` 1.000000
## `gSPrd.fctrFederalstudentloan:.clusterid.fctr4` 1.000000
## `gSPrd.fctrMortgage:.clusterid.fctr4` 1.000000
## `gSPrd.fctrReversemortgage:.clusterid.fctr4` 1.000000
## `gSPrd.fctrAuto:.clusterid.fctr4` 1.000000
## `gSPrd.fctrInstallmentloan:.clusterid.fctr4` 1.000000
## `gSPrd.fctrMedical:.clusterid.fctr4` 1.000000
## `gSPrd.fctrVAmortgage:.clusterid.fctr4` 1.000000
## `gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr4` 1.000000
## `gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr4` 1.000000
## `gSPrd.fctrPersonallineofcredit:.clusterid.fctr4` 1.000000
## `gSPrd.fctrSecondmortgage:.clusterid.fctr4` 1.000000
## `gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr4` 1.000000
## `gSPrd.fctrPaydayloan:.clusterid.fctr4` 1.000000
## `gSPrd.fctrCheckcashing:.clusterid.fctr4` 1.000000
## `gSPrd.fctrMobilewallet:.clusterid.fctr4` 1.000000
## `gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr4` 1.000000
## `gSPrd.fctrGiftormerchantcard:.clusterid.fctr4` 1.000000
## `gSPrd.fctrGeneralpurposecard:.clusterid.fctr4` 1.000000
## `gSPrd.fctrTitleloan:.clusterid.fctr4` 1.000000
## `gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr4` 1.000000
## `gSPrd.fctrRefundanticipationcheck:.clusterid.fctr4` 1.000000
## `gSPrd.fctrDebtsettlement:.clusterid.fctr4` 1.000000
## `gSPrd.fctrPayrollcard:.clusterid.fctr4` 1.000000
## `gSPrd.fctrIDprepaidcard:.clusterid.fctr4` 1.000000
## `gSPrd.fctrCreditrepair:.clusterid.fctr4` 1.000000
## `gSPrd.fctrPawnloan:.clusterid.fctr4` 1.000000
## `gSPrd.fctrMoneyorder:.clusterid.fctr4` 1.000000
## `gSPrd.fctrTraveler\\342\\200\\231s/Cashier\\342\\200\\231schecks:.clusterid.fctr4` 1.000000
## `gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr4` 1.000000
##
## (Intercept)
## .clusterid
## Channel.fctrFax
## Channel.fctrPhone ***
## Channel.fctrPostalmail .
## Channel.fctrReferral ***
## `Datereceived.date.fctr(7,13]`
## `Datereceived.date.fctr(13,19]`
## `Datereceived.date.fctr(19,25]`
## `Datereceived.date.fctr(25,31]`
## Datereceived.juliandate
## Datereceived.last16.log1p
## Datereceived.last2.log1p
## Datereceived.last32.log1p
## Datereceived.last4.log1p
## Datereceived.last8.log1p
## Datereceived.month.fctr02
## Datereceived.month.fctr03
## Datereceived.month.fctr04
## Datereceived.month.fctr05
## Datereceived.month.fctr06
## Datereceived.month.fctr07
## Datereceived.month.fctr08
## Datereceived.month.fctr09
## Datereceived.month.fctr10
## Datereceived.month.fctr11
## Datereceived.month.fctr12
## Datereceived.wkday.fctr1
## Datereceived.wkday.fctr2
## Datereceived.wkday.fctr3
## Datereceived.wkday.fctr4
## Datereceived.wkday.fctr5
## Datereceived.wkday.fctr6
## Datereceived.wkend
## Datereceived.year.fctr2015
## Datereceived.year.fctr2016
## `Datesenttocompany.date.fctr(7,13]`
## `Datesenttocompany.date.fctr(13,19]`
## `Datesenttocompany.date.fctr(19,25]`
## `Datesenttocompany.date.fctr(25,31]`
## Datesenttocompany.juliandate
## Datesenttocompany.last16.log1p
## Datesenttocompany.last2.log1p
## Datesenttocompany.last32.log1p
## Datesenttocompany.last4.log1p
## Datesenttocompany.last8.log1p
## Datesenttocompany.month.fctr02
## Datesenttocompany.month.fctr03
## Datesenttocompany.month.fctr04
## Datesenttocompany.month.fctr05
## Datesenttocompany.month.fctr06
## Datesenttocompany.month.fctr07
## Datesenttocompany.month.fctr08
## Datesenttocompany.month.fctr09
## Datesenttocompany.month.fctr10
## Datesenttocompany.month.fctr11
## Datesenttocompany.month.fctr12
## Datesenttocompany.wkday.fctr1
## Datesenttocompany.wkday.fctr2
## Datesenttocompany.wkday.fctr3
## Datesenttocompany.wkday.fctr4
## Datesenttocompany.wkday.fctr5
## Datesenttocompany.wkday.fctr6
## Datesenttocompany.wkend
## Datesenttocompany.year.fctr2015
## Datesenttocompany.year.fctr2016
## Response.fctrClosed
## Response.fctrClosedwithmonetaryrelief ***
## `Response.fctrClosedwithnon-monetaryrelief` ***
## Response.fctrInprogress
## Response.fctrUntimelyresponse
## `Rgn.Dvn.fctrMW#EastNorthCentral`
## `Rgn.Dvn.fctrMW#WestNorthCentral`
## `Rgn.Dvn.fctrMW#WestNorthCentral#MidAtlantic`
## `Rgn.Dvn.fctrMW#WestNorthCentral#NewEngland`
## `Rgn.Dvn.fctrOT#Other`
## `Rgn.Dvn.fctrSH#EastSouthCentral`
## `Rgn.Dvn.fctrSH#WestSouthCentral`
## `Rgn.Dvn.fctrWT#Mountain`
## `Rgn.Dvn.fctrWT#Pacific`
## Sent.Recd.Dys
## Sent.Recd.Dys.log1p
## Sent.Recd.Dys.nexp
## Sent.Recd.Dys.root2
## gCConsent.fctrConsentnotprovided .
## gCConsent.fctrConsentprovided *
## gCConsent.fctrOther
## gCompany.fctrAmex **
## gCompany.fctrBlackhawkNetworkHoldingsInc.
## gCompany.fctrCitibank
## gCompany.fctrComerica
## `gCompany.fctrNetSpendCorporation,aTSYSCompany` .
## gCompany.fctrOther
## `gCompany.fctrPayPalHoldings,Inc.`
## gCompany.fctrU.S.Bancorp
## gSPrd.fctrVehicleloan
## gSPrd.fctrCheckingaccount
## gSPrd.fctrConventionalfixedmortgage
## `gSPrd.fctrOther(i.e.phone,healthclub,etc.)`
## gSPrd.fctrIdonotknow
## gSPrd.fctr
## gSPrd.fctrOthermortgage
## gSPrd.fctrCreditcard
## `gSPrd.fctrConventionaladjustablemortgage(ARM)`
## `gSPrd.fctrOtherbankproduct/service`
## `gSPrd.fctrNon-federalstudentloan`
## gSPrd.fctrFHAmortgage
## `gSPrd.fctr(CD)Certificateofdeposit`
## gSPrd.fctrHomeequityloanorlineofcredit
## gSPrd.fctrVehiclelease
## gSPrd.fctrSavingsaccount
## gSPrd.fctrFederalstudentloan
## gSPrd.fctrMortgage
## gSPrd.fctrReversemortgage
## gSPrd.fctrAuto
## gSPrd.fctrInstallmentloan
## gSPrd.fctrMedical
## gSPrd.fctrVAmortgage
## `gSPrd.fctrDomestic(US)moneytransfer`
## gSPrd.fctrInternationalmoneytransfer
## gSPrd.fctrPersonallineofcredit
## gSPrd.fctrSecondmortgage
## gSPrd.fctrCashingacheckwithoutanaccount
## gSPrd.fctrPaydayloan
## gSPrd.fctrCheckcashing
## gSPrd.fctrMobilewallet
## gSPrd.fctrGovernmentbenefitpaymentcard
## gSPrd.fctrGiftormerchantcard
## gSPrd.fctrGeneralpurposecard
## gSPrd.fctrTitleloan
## gSPrd.fctrForeigncurrencyexchange
## gSPrd.fctrRefundanticipationcheck
## gSPrd.fctrDebtsettlement
## gSPrd.fctrPayrollcard
## gSPrd.fctrIDprepaidcard
## gSPrd.fctrCreditrepair
## gSPrd.fctrPawnloan
## gSPrd.fctrMoneyorder
## `gSPrd.fctrTraveler\\342\\200\\231s/Cashier\\342\\200\\231schecks`
## gSPrd.fctrFederalstudentloanservicing
## gTags.fctrOlderAmerican
## gTags.fctrOlderAmericanServicemember
## gTags.fctrServicemember **
## `gSPrd.fctrOther:.clusterid.fctr2`
## `gSPrd.fctrVehicleloan:.clusterid.fctr2`
## `gSPrd.fctrCheckingaccount:.clusterid.fctr2`
## `gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr2`
## `gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr2`
## `gSPrd.fctrIdonotknow:.clusterid.fctr2`
## `gSPrd.fctr:.clusterid.fctr2`
## `gSPrd.fctrOthermortgage:.clusterid.fctr2`
## `gSPrd.fctrCreditcard:.clusterid.fctr2`
## `gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr2`
## `gSPrd.fctrOtherbankproduct/service:.clusterid.fctr2`
## `gSPrd.fctrNon-federalstudentloan:.clusterid.fctr2`
## `gSPrd.fctrFHAmortgage:.clusterid.fctr2`
## `gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr2`
## `gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr2`
## `gSPrd.fctrVehiclelease:.clusterid.fctr2`
## `gSPrd.fctrSavingsaccount:.clusterid.fctr2`
## `gSPrd.fctrFederalstudentloan:.clusterid.fctr2`
## `gSPrd.fctrMortgage:.clusterid.fctr2`
## `gSPrd.fctrReversemortgage:.clusterid.fctr2`
## `gSPrd.fctrAuto:.clusterid.fctr2`
## `gSPrd.fctrInstallmentloan:.clusterid.fctr2`
## `gSPrd.fctrMedical:.clusterid.fctr2`
## `gSPrd.fctrVAmortgage:.clusterid.fctr2`
## `gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr2`
## `gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr2`
## `gSPrd.fctrPersonallineofcredit:.clusterid.fctr2`
## `gSPrd.fctrSecondmortgage:.clusterid.fctr2`
## `gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr2`
## `gSPrd.fctrPaydayloan:.clusterid.fctr2`
## `gSPrd.fctrCheckcashing:.clusterid.fctr2`
## `gSPrd.fctrMobilewallet:.clusterid.fctr2`
## `gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr2`
## `gSPrd.fctrGiftormerchantcard:.clusterid.fctr2`
## `gSPrd.fctrGeneralpurposecard:.clusterid.fctr2`
## `gSPrd.fctrTitleloan:.clusterid.fctr2`
## `gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr2`
## `gSPrd.fctrRefundanticipationcheck:.clusterid.fctr2`
## `gSPrd.fctrDebtsettlement:.clusterid.fctr2`
## `gSPrd.fctrPayrollcard:.clusterid.fctr2`
## `gSPrd.fctrIDprepaidcard:.clusterid.fctr2`
## `gSPrd.fctrCreditrepair:.clusterid.fctr2`
## `gSPrd.fctrPawnloan:.clusterid.fctr2`
## `gSPrd.fctrMoneyorder:.clusterid.fctr2`
## `gSPrd.fctrTraveler\\342\\200\\231s/Cashier\\342\\200\\231schecks:.clusterid.fctr2`
## `gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr2`
## `gSPrd.fctrOther:.clusterid.fctr3`
## `gSPrd.fctrVehicleloan:.clusterid.fctr3`
## `gSPrd.fctrCheckingaccount:.clusterid.fctr3`
## `gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr3`
## `gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr3`
## `gSPrd.fctrIdonotknow:.clusterid.fctr3`
## `gSPrd.fctr:.clusterid.fctr3`
## `gSPrd.fctrOthermortgage:.clusterid.fctr3`
## `gSPrd.fctrCreditcard:.clusterid.fctr3`
## `gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr3`
## `gSPrd.fctrOtherbankproduct/service:.clusterid.fctr3`
## `gSPrd.fctrNon-federalstudentloan:.clusterid.fctr3`
## `gSPrd.fctrFHAmortgage:.clusterid.fctr3`
## `gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr3`
## `gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr3`
## `gSPrd.fctrVehiclelease:.clusterid.fctr3`
## `gSPrd.fctrSavingsaccount:.clusterid.fctr3`
## `gSPrd.fctrFederalstudentloan:.clusterid.fctr3`
## `gSPrd.fctrMortgage:.clusterid.fctr3`
## `gSPrd.fctrReversemortgage:.clusterid.fctr3`
## `gSPrd.fctrAuto:.clusterid.fctr3`
## `gSPrd.fctrInstallmentloan:.clusterid.fctr3`
## `gSPrd.fctrMedical:.clusterid.fctr3`
## `gSPrd.fctrVAmortgage:.clusterid.fctr3`
## `gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr3`
## `gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr3`
## `gSPrd.fctrPersonallineofcredit:.clusterid.fctr3`
## `gSPrd.fctrSecondmortgage:.clusterid.fctr3`
## `gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr3`
## `gSPrd.fctrPaydayloan:.clusterid.fctr3`
## `gSPrd.fctrCheckcashing:.clusterid.fctr3`
## `gSPrd.fctrMobilewallet:.clusterid.fctr3`
## `gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr3`
## `gSPrd.fctrGiftormerchantcard:.clusterid.fctr3`
## `gSPrd.fctrGeneralpurposecard:.clusterid.fctr3`
## `gSPrd.fctrTitleloan:.clusterid.fctr3`
## `gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr3`
## `gSPrd.fctrRefundanticipationcheck:.clusterid.fctr3`
## `gSPrd.fctrDebtsettlement:.clusterid.fctr3`
## `gSPrd.fctrPayrollcard:.clusterid.fctr3`
## `gSPrd.fctrIDprepaidcard:.clusterid.fctr3`
## `gSPrd.fctrCreditrepair:.clusterid.fctr3`
## `gSPrd.fctrPawnloan:.clusterid.fctr3`
## `gSPrd.fctrMoneyorder:.clusterid.fctr3`
## `gSPrd.fctrTraveler\\342\\200\\231s/Cashier\\342\\200\\231schecks:.clusterid.fctr3`
## `gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr3`
## `gSPrd.fctrOther:.clusterid.fctr4`
## `gSPrd.fctrVehicleloan:.clusterid.fctr4`
## `gSPrd.fctrCheckingaccount:.clusterid.fctr4`
## `gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr4`
## `gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr4`
## `gSPrd.fctrIdonotknow:.clusterid.fctr4`
## `gSPrd.fctr:.clusterid.fctr4`
## `gSPrd.fctrOthermortgage:.clusterid.fctr4`
## `gSPrd.fctrCreditcard:.clusterid.fctr4`
## `gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr4`
## `gSPrd.fctrOtherbankproduct/service:.clusterid.fctr4`
## `gSPrd.fctrNon-federalstudentloan:.clusterid.fctr4`
## `gSPrd.fctrFHAmortgage:.clusterid.fctr4`
## `gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr4`
## `gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr4`
## `gSPrd.fctrVehiclelease:.clusterid.fctr4`
## `gSPrd.fctrSavingsaccount:.clusterid.fctr4`
## `gSPrd.fctrFederalstudentloan:.clusterid.fctr4`
## `gSPrd.fctrMortgage:.clusterid.fctr4`
## `gSPrd.fctrReversemortgage:.clusterid.fctr4`
## `gSPrd.fctrAuto:.clusterid.fctr4`
## `gSPrd.fctrInstallmentloan:.clusterid.fctr4`
## `gSPrd.fctrMedical:.clusterid.fctr4`
## `gSPrd.fctrVAmortgage:.clusterid.fctr4`
## `gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr4`
## `gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr4`
## `gSPrd.fctrPersonallineofcredit:.clusterid.fctr4`
## `gSPrd.fctrSecondmortgage:.clusterid.fctr4`
## `gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr4`
## `gSPrd.fctrPaydayloan:.clusterid.fctr4`
## `gSPrd.fctrCheckcashing:.clusterid.fctr4`
## `gSPrd.fctrMobilewallet:.clusterid.fctr4`
## `gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr4`
## `gSPrd.fctrGiftormerchantcard:.clusterid.fctr4`
## `gSPrd.fctrGeneralpurposecard:.clusterid.fctr4`
## `gSPrd.fctrTitleloan:.clusterid.fctr4`
## `gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr4`
## `gSPrd.fctrRefundanticipationcheck:.clusterid.fctr4`
## `gSPrd.fctrDebtsettlement:.clusterid.fctr4`
## `gSPrd.fctrPayrollcard:.clusterid.fctr4`
## `gSPrd.fctrIDprepaidcard:.clusterid.fctr4`
## `gSPrd.fctrCreditrepair:.clusterid.fctr4`
## `gSPrd.fctrPawnloan:.clusterid.fctr4`
## `gSPrd.fctrMoneyorder:.clusterid.fctr4`
## `gSPrd.fctrTraveler\\342\\200\\231s/Cashier\\342\\200\\231schecks:.clusterid.fctr4`
## `gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr4`
## ---
## Signif. codes: 0 '***' 0.001 '**' 0.01 '*' 0.05 '.' 0.1 ' ' 1
##
## (Dispersion parameter for binomial family taken to be 1)
##
## Null deviance: 1545.1 on 1342 degrees of freedom
## Residual deviance: 1251.8 on 1062 degrees of freedom
## AIC: 1813.8
##
## Number of Fisher Scoring iterations: 16
##
## [1] "myfit_mdl: train diagnostics complete: 19.349000 secs"
## Prediction
## Reference N Y
## N 653 338
## Y 90 262
## Accuracy Kappa AccuracyLower AccuracyUpper AccuracyNull
## 6.813105e-01 3.286067e-01 6.556406e-01 7.061844e-01 7.379002e-01
## AccuracyPValue McnemarPValue
## 9.999984e-01 7.393471e-33
## Prediction
## Reference N Y
## N 948 493
## Y 22 63
## Accuracy Kappa AccuracyLower AccuracyUpper AccuracyNull
## 6.625164e-01 1.106280e-01 6.381690e-01 6.862367e-01 9.442988e-01
## AccuracyPValue McnemarPValue
## 1.000000e+00 2.775431e-95
## [1] "myfit_mdl: predict complete: 26.089000 secs"
## id
## 1 All.X##rcv#bayesglm
## feats
## 1 Datereceived.last8.log1p,Datesenttocompany.last8.log1p,Datereceived.last4.log1p,Datesenttocompany.last4.log1p,Datereceived.last2.log1p,Datesenttocompany.last2.log1p,Datereceived.last16.log1p,Datesenttocompany.last16.log1p,Datereceived.last32.log1p,Datesenttocompany.last32.log1p,gCompany.fctr,gTags.fctr,Sent.Recd.Dys.nexp,Rgn.Dvn.fctr,Datereceived.year.fctr,Datesenttocompany.year.fctr,Datereceived.wkday.fctr,Datesenttocompany.wkday.fctr,gCConsent.fctr,Datereceived.wkend,Datesenttocompany.wkend,Channel.fctr,gSPrd.fctr,.clusterid,Datereceived.month.fctr,Datesenttocompany.month.fctr,Datereceived.juliandate,Datesenttocompany.juliandate,Datereceived.date.fctr,Datesenttocompany.date.fctr,Sent.Recd.Dys,Sent.Recd.Dys.root2,Sent.Recd.Dys.log1p,Response.fctr,gSPrd.fctr:.clusterid.fctr
## max.nTuningRuns min.elapsedtime.everything min.elapsedtime.final
## 1 1 18.642 2.092
## max.AUCpROC.fit max.Sens.fit max.Spec.fit max.AUCROCR.fit
## 1 0.6416025 0.9394551 0.34375 0.7852376
## opt.prob.threshold.fit max.f.score.fit max.Accuracy.fit
## 1 0.25 0.5504202 0.7346774
## max.AccuracyLower.fit max.AccuracyUpper.fit max.Kappa.fit
## 1 0.6556406 0.7061844 0.207454
## min.log.loss.mean.fit max.AUCpROC.OOB max.Sens.OOB max.Spec.OOB
## 1 0.4660415 0.6116177 0.8938237 0.3294118
## max.AUCROCR.OOB opt.prob.threshold.OOB max.f.score.OOB max.Accuracy.OOB
## 1 0.7226068 0.25 0.1965679 0.6625164
## max.AccuracyLower.OOB max.AccuracyUpper.OOB max.Kappa.OOB
## 1 0.638169 0.6862367 0.110628
## min.log.loss.mean.OOB max.AccuracySD.fit max.KappaSD.fit
## 1 0.3419022 0.02470904 0.07246381
## [1] "myfit_mdl: exit: 26.524000 secs"## label step_major step_minor label_minor bgn end
## 7 fit.models_1_All.X 1 6 bayesglm 236.474 263.035
## 8 fit.models_1_preProc 1 7 preProc 263.036 NA
## elapsed
## 7 26.562
## 8 NA## Loading required package: gdata## gdata: read.xls support for 'XLS' (Excel 97-2004) files ENABLED.## ## gdata: read.xls support for 'XLSX' (Excel 2007+) files ENABLED.##
## Attaching package: 'gdata'## The following object is masked from 'package:randomForest':
##
## combine## The following object is masked from 'package:mlr':
##
## resample## The following objects are masked from 'package:dplyr':
##
## combine, first, last## The following object is masked from 'package:stats':
##
## nobs## The following object is masked from 'package:utils':
##
## object.size## The following object is masked from 'package:base':
##
## startsWith## max.Accuracy.OOB max.AUCROCR.OOB
## MFO###myMFO_classfr 0.9442988 0.5000000
## Max.cor.Y##rcv#rpart 0.9442988 0.5000000
## All.X##rcv#gbm 0.7103539 0.7077030
## Random###myrandom_classfr 0.7038008 0.5110422
## Low.cor.X##rcv#glmnet 0.7011796 0.7259379
## All.X##rcv#bayesglm 0.6625164 0.7226068
## All.X##rcv#glm 0.6467890 0.7239744
## Max.cor.Y.Time.Lag##rcv#glmnet 0.6310616 0.6912112
## All.X##rcv#glmnet 0.6028834 0.7250398
## Max.cor.Y.rcv.1X1###glmnet 0.5688073 0.6828591
## max.AUCpROC.OOB min.elapsedtime.everything
## MFO###myMFO_classfr 0.5000000 0.244
## Max.cor.Y##rcv#rpart 0.5000000 1.261
## All.X##rcv#gbm 0.5656652 87.690
## Random###myrandom_classfr 0.4916929 0.171
## Low.cor.X##rcv#glmnet 0.5926644 8.038
## All.X##rcv#bayesglm 0.6116177 18.642
## All.X##rcv#glm 0.6230191 28.982
## Max.cor.Y.Time.Lag##rcv#glmnet 0.5000000 2.699
## All.X##rcv#glmnet 0.5895416 11.569
## Max.cor.Y.rcv.1X1###glmnet 0.5000000 0.551
## max.Accuracy.fit
## MFO###myMFO_classfr 0.7379002
## Max.cor.Y##rcv#rpart 0.7297093
## All.X##rcv#gbm 0.7533073
## Random###myrandom_classfr 0.6284438
## Low.cor.X##rcv#glmnet 0.7547889
## All.X##rcv#bayesglm 0.7346774
## All.X##rcv#glm 0.7329529
## Max.cor.Y.Time.Lag##rcv#glmnet 0.7379029
## All.X##rcv#glmnet 0.7552798
## Max.cor.Y.rcv.1X1###glmnet 0.6113179## label step_major step_minor label_minor bgn end
## 8 fit.models_1_preProc 1 7 preProc 263.036 264.824
## 9 fit.models_1_end 1 8 teardown 264.824 NA
## elapsed
## 8 1.788
## 9 NA## label step_major step_minor label_minor bgn end elapsed
## 3 fit.models 2 1 1 60.687 264.83 204.143
## 4 fit.models 2 2 2 264.831 NA NA## label step_major step_minor label_minor bgn end elapsed
## 1 fit.models_2_bgn 1 0 setup 346.419 NA NA## Warning: max.AccuracyUpper.fit already exists in glb_models_df## [1] "var:max.KappaSD.fit"## Loading required package: RColorBrewer## Warning: Removed 7 rows containing missing values (geom_errorbar).## quartz_off_screen
## 2## Warning: Removed 7 rows containing missing values (geom_errorbar).
## id max.Accuracy.OOB max.AUCROCR.OOB
## 1 MFO###myMFO_classfr 0.9442988 0.5000000
## 4 Max.cor.Y##rcv#rpart 0.9442988 0.5000000
## 7 All.X##rcv#gbm 0.7103539 0.7077030
## 2 Random###myrandom_classfr 0.7038008 0.5110422
## 6 Low.cor.X##rcv#glmnet 0.7011796 0.7259379
## 11 All.X##rcv#bayesglm 0.6625164 0.7226068
## 10 All.X##rcv#glm 0.6467890 0.7239744
## 5 Max.cor.Y.Time.Lag##rcv#glmnet 0.6310616 0.6912112
## 9 All.X##rcv#glmnet 0.6028834 0.7250398
## 3 Max.cor.Y.rcv.1X1###glmnet 0.5688073 0.6828591
## 8 All.X##rcv#rf 0.5543906 0.7074458
## max.AUCpROC.OOB min.elapsedtime.everything max.Accuracy.fit
## 1 0.5000000 0.244 0.7379002
## 4 0.5000000 1.261 0.7297093
## 7 0.5656652 87.690 0.7533073
## 2 0.4916929 0.171 0.6284438
## 6 0.5926644 8.038 0.7547889
## 11 0.6116177 18.642 0.7346774
## 10 0.6230191 28.982 0.7329529
## 5 0.5000000 2.699 0.7379029
## 9 0.5895416 11.569 0.7552798
## 3 0.5000000 0.551 0.6113179
## 8 0.5715312 14.064 0.9992554
## opt.prob.threshold.fit opt.prob.threshold.OOB
## 1 0.50 0.50
## 4 0.50 0.50
## 7 0.25 0.30
## 2 0.50 0.50
## 6 0.30 0.30
## 11 0.25 0.25
## 10 0.30 0.25
## 5 0.25 0.30
## 9 0.30 0.25
## 3 0.25 0.35
## 8 0.45 0.25## [1] "Metrics used for model selection:"## ~-max.Accuracy.OOB - max.AUCROCR.OOB - max.AUCpROC.OOB + min.elapsedtime.everything -
## max.Accuracy.fit - opt.prob.threshold.OOB
## <environment: 0x7fff03e12bf0>## [1] "Best model id: MFO###myMFO_classfr"## [1] "User specified selection: All.X##rcv#gbm"
## var
## Datereceived.juliandate Datereceived.juliandate
## Datereceived.last32.log1p Datereceived.last32.log1p
## .rnorm .rnorm
## Response.fctrClosedwithmonetaryrelief Response.fctrClosedwithmonetaryrelief
## gCompany.fctrAmex gCompany.fctrAmex
## Datereceived.last16.log1p Datereceived.last16.log1p
## Datereceived.last2.log1p Datereceived.last2.log1p
## Datereceived.last4.log1p Datereceived.last4.log1p
## Sent.Recd.Dys Sent.Recd.Dys
## Datereceived.month.fctr07 Datereceived.month.fctr07
## Datereceived.year.fctr2016 Datereceived.year.fctr2016
## Datereceived.last8.log1p Datereceived.last8.log1p
## Sent.Recd.Dys.nexp Sent.Recd.Dys.nexp
## Datereceived.wkend Datereceived.wkend
## Channel.fctrPhone Channel.fctrPhone
## Response.fctrClosedwithnon-monetaryrelief Response.fctrClosedwithnon-monetaryrelief
## gTags.fctrServicemember gTags.fctrServicemember
## gCompany.fctrCitibank gCompany.fctrCitibank
## gCompany.fctrNetSpendCorporation,aTSYSCompany gCompany.fctrNetSpendCorporation,aTSYSCompany
## Rgn.Dvn.fctrWT#Pacific Rgn.Dvn.fctrWT#Pacific
## Datereceived.month.fctr06 Datereceived.month.fctr06
## Datereceived.month.fctr09 Datereceived.month.fctr09
## gSPrd.fctrMobilewallet gSPrd.fctrMobilewallet
## Channel.fctrReferral Channel.fctrReferral
## Datereceived.month.fctr05 Datereceived.month.fctr05
## Rgn.Dvn.fctrMW#EastNorthCentral Rgn.Dvn.fctrMW#EastNorthCentral
## gSPrd.fctrPayrollcard gSPrd.fctrPayrollcard
## gSPrd.fctrOther:.clusterid.fctr2 gSPrd.fctrOther:.clusterid.fctr2
## gSPrd.fctrMobilewallet:.clusterid.fctr3 gSPrd.fctrMobilewallet:.clusterid.fctr3
## gSPrd.fctrGeneralpurposecard:.clusterid.fctr3 gSPrd.fctrGeneralpurposecard:.clusterid.fctr3
## gSPrd.fctrGeneralpurposecard gSPrd.fctrGeneralpurposecard
## gCConsent.fctrConsentprovided gCConsent.fctrConsentprovided
## Datereceived.month.fctr08 Datereceived.month.fctr08
## gCompany.fctrOther gCompany.fctrOther
## Datereceived.year.fctr2015 Datereceived.year.fctr2015
## Rgn.Dvn.fctrMW#WestNorthCentral#MidAtlantic Rgn.Dvn.fctrMW#WestNorthCentral#MidAtlantic
## gCConsent.fctrOther gCConsent.fctrOther
## gSPrd.fctrGiftormerchantcard gSPrd.fctrGiftormerchantcard
## gCompany.fctrComerica gCompany.fctrComerica
## Datereceived.wkday.fctr4 Datereceived.wkday.fctr4
## gSPrd.fctrIDprepaidcard gSPrd.fctrIDprepaidcard
## Datereceived.month.fctr03 Datereceived.month.fctr03
## .clusterid .clusterid
## Channel.fctrFax Channel.fctrFax
## Channel.fctrPostalmail Channel.fctrPostalmail
## Datereceived.date.fctr(7,13] Datereceived.date.fctr(7,13]
## Datereceived.date.fctr(13,19] Datereceived.date.fctr(13,19]
## Datereceived.date.fctr(19,25] Datereceived.date.fctr(19,25]
## Datereceived.date.fctr(25,31] Datereceived.date.fctr(25,31]
## Datereceived.month.fctr02 Datereceived.month.fctr02
## Datereceived.month.fctr04 Datereceived.month.fctr04
## Datereceived.month.fctr10 Datereceived.month.fctr10
## Datereceived.month.fctr11 Datereceived.month.fctr11
## Datereceived.month.fctr12 Datereceived.month.fctr12
## Datereceived.wkday.fctr1 Datereceived.wkday.fctr1
## Datereceived.wkday.fctr2 Datereceived.wkday.fctr2
## Datereceived.wkday.fctr3 Datereceived.wkday.fctr3
## Datereceived.wkday.fctr5 Datereceived.wkday.fctr5
## Datereceived.wkday.fctr6 Datereceived.wkday.fctr6
## Datesenttocompany.date.fctr(7,13] Datesenttocompany.date.fctr(7,13]
## Datesenttocompany.date.fctr(13,19] Datesenttocompany.date.fctr(13,19]
## Datesenttocompany.date.fctr(19,25] Datesenttocompany.date.fctr(19,25]
## Datesenttocompany.date.fctr(25,31] Datesenttocompany.date.fctr(25,31]
## Datesenttocompany.juliandate Datesenttocompany.juliandate
## Datesenttocompany.last16.log1p Datesenttocompany.last16.log1p
## Datesenttocompany.last2.log1p Datesenttocompany.last2.log1p
## Datesenttocompany.last32.log1p Datesenttocompany.last32.log1p
## Datesenttocompany.last4.log1p Datesenttocompany.last4.log1p
## Datesenttocompany.last8.log1p Datesenttocompany.last8.log1p
## Datesenttocompany.month.fctr02 Datesenttocompany.month.fctr02
## Datesenttocompany.month.fctr03 Datesenttocompany.month.fctr03
## Datesenttocompany.month.fctr04 Datesenttocompany.month.fctr04
## Datesenttocompany.month.fctr05 Datesenttocompany.month.fctr05
## Datesenttocompany.month.fctr06 Datesenttocompany.month.fctr06
## Datesenttocompany.month.fctr07 Datesenttocompany.month.fctr07
## Datesenttocompany.month.fctr08 Datesenttocompany.month.fctr08
## Datesenttocompany.month.fctr09 Datesenttocompany.month.fctr09
## Datesenttocompany.month.fctr10 Datesenttocompany.month.fctr10
## Datesenttocompany.month.fctr11 Datesenttocompany.month.fctr11
## Datesenttocompany.month.fctr12 Datesenttocompany.month.fctr12
## Datesenttocompany.wkday.fctr1 Datesenttocompany.wkday.fctr1
## Datesenttocompany.wkday.fctr2 Datesenttocompany.wkday.fctr2
## Datesenttocompany.wkday.fctr3 Datesenttocompany.wkday.fctr3
## Datesenttocompany.wkday.fctr4 Datesenttocompany.wkday.fctr4
## Datesenttocompany.wkday.fctr5 Datesenttocompany.wkday.fctr5
## Datesenttocompany.wkday.fctr6 Datesenttocompany.wkday.fctr6
## Datesenttocompany.wkend Datesenttocompany.wkend
## Datesenttocompany.year.fctr2015 Datesenttocompany.year.fctr2015
## Datesenttocompany.year.fctr2016 Datesenttocompany.year.fctr2016
## Response.fctrClosed Response.fctrClosed
## Response.fctrInprogress Response.fctrInprogress
## Response.fctrUntimelyresponse Response.fctrUntimelyresponse
## Rgn.Dvn.fctrMW#WestNorthCentral Rgn.Dvn.fctrMW#WestNorthCentral
## Rgn.Dvn.fctrMW#WestNorthCentral#NewEngland Rgn.Dvn.fctrMW#WestNorthCentral#NewEngland
## Rgn.Dvn.fctrOT#Other Rgn.Dvn.fctrOT#Other
## Rgn.Dvn.fctrSH#EastSouthCentral Rgn.Dvn.fctrSH#EastSouthCentral
## Rgn.Dvn.fctrSH#WestSouthCentral Rgn.Dvn.fctrSH#WestSouthCentral
## Rgn.Dvn.fctrWT#Mountain Rgn.Dvn.fctrWT#Mountain
## Sent.Recd.Dys.log1p Sent.Recd.Dys.log1p
## Sent.Recd.Dys.root2 Sent.Recd.Dys.root2
## gCConsent.fctrConsentnotprovided gCConsent.fctrConsentnotprovided
## gCompany.fctrBlackhawkNetworkHoldingsInc. gCompany.fctrBlackhawkNetworkHoldingsInc.
## gCompany.fctrPayPalHoldings,Inc. gCompany.fctrPayPalHoldings,Inc.
## gCompany.fctrU.S.Bancorp gCompany.fctrU.S.Bancorp
## gSPrd.fctrVehicleloan gSPrd.fctrVehicleloan
## gSPrd.fctrCheckingaccount gSPrd.fctrCheckingaccount
## gSPrd.fctrConventionalfixedmortgage gSPrd.fctrConventionalfixedmortgage
## gSPrd.fctrOther(i.e.phone,healthclub,etc.) gSPrd.fctrOther(i.e.phone,healthclub,etc.)
## gSPrd.fctrIdonotknow gSPrd.fctrIdonotknow
## gSPrd.fctr gSPrd.fctr
## gSPrd.fctrOthermortgage gSPrd.fctrOthermortgage
## gSPrd.fctrCreditcard gSPrd.fctrCreditcard
## gSPrd.fctrConventionaladjustablemortgage(ARM) gSPrd.fctrConventionaladjustablemortgage(ARM)
## gSPrd.fctrOtherbankproduct/service gSPrd.fctrOtherbankproduct/service
## gSPrd.fctrNon-federalstudentloan gSPrd.fctrNon-federalstudentloan
## gSPrd.fctrFHAmortgage gSPrd.fctrFHAmortgage
## gSPrd.fctr(CD)Certificateofdeposit gSPrd.fctr(CD)Certificateofdeposit
## gSPrd.fctrHomeequityloanorlineofcredit gSPrd.fctrHomeequityloanorlineofcredit
## gSPrd.fctrVehiclelease gSPrd.fctrVehiclelease
## gSPrd.fctrSavingsaccount gSPrd.fctrSavingsaccount
## gSPrd.fctrFederalstudentloan gSPrd.fctrFederalstudentloan
## gSPrd.fctrMortgage gSPrd.fctrMortgage
## gSPrd.fctrReversemortgage gSPrd.fctrReversemortgage
## gSPrd.fctrAuto gSPrd.fctrAuto
## gSPrd.fctrInstallmentloan gSPrd.fctrInstallmentloan
## gSPrd.fctrMedical gSPrd.fctrMedical
## gSPrd.fctrVAmortgage gSPrd.fctrVAmortgage
## gSPrd.fctrDomestic(US)moneytransfer gSPrd.fctrDomestic(US)moneytransfer
## gSPrd.fctrInternationalmoneytransfer gSPrd.fctrInternationalmoneytransfer
## gSPrd.fctrPersonallineofcredit gSPrd.fctrPersonallineofcredit
## gSPrd.fctrSecondmortgage gSPrd.fctrSecondmortgage
## gSPrd.fctrCashingacheckwithoutanaccount gSPrd.fctrCashingacheckwithoutanaccount
## gSPrd.fctrPaydayloan gSPrd.fctrPaydayloan
## gSPrd.fctrCheckcashing gSPrd.fctrCheckcashing
## gSPrd.fctrGovernmentbenefitpaymentcard gSPrd.fctrGovernmentbenefitpaymentcard
## gSPrd.fctrTitleloan gSPrd.fctrTitleloan
## gSPrd.fctrForeigncurrencyexchange gSPrd.fctrForeigncurrencyexchange
## gSPrd.fctrRefundanticipationcheck gSPrd.fctrRefundanticipationcheck
## gSPrd.fctrDebtsettlement gSPrd.fctrDebtsettlement
## gSPrd.fctrCreditrepair gSPrd.fctrCreditrepair
## gSPrd.fctrPawnloan gSPrd.fctrPawnloan
## gSPrd.fctrMoneyorder gSPrd.fctrMoneyorder
## gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks
## gSPrd.fctrFederalstudentloanservicing gSPrd.fctrFederalstudentloanservicing
## gTags.fctrOlderAmerican gTags.fctrOlderAmerican
## gTags.fctrOlderAmericanServicemember gTags.fctrOlderAmericanServicemember
## gSPrd.fctrVehicleloan:.clusterid.fctr2 gSPrd.fctrVehicleloan:.clusterid.fctr2
## gSPrd.fctrCheckingaccount:.clusterid.fctr2 gSPrd.fctrCheckingaccount:.clusterid.fctr2
## gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr2 gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr2
## gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr2 gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr2
## gSPrd.fctrIdonotknow:.clusterid.fctr2 gSPrd.fctrIdonotknow:.clusterid.fctr2
## gSPrd.fctr:.clusterid.fctr2 gSPrd.fctr:.clusterid.fctr2
## gSPrd.fctrOthermortgage:.clusterid.fctr2 gSPrd.fctrOthermortgage:.clusterid.fctr2
## gSPrd.fctrCreditcard:.clusterid.fctr2 gSPrd.fctrCreditcard:.clusterid.fctr2
## gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr2 gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr2
## gSPrd.fctrOtherbankproduct/service:.clusterid.fctr2 gSPrd.fctrOtherbankproduct/service:.clusterid.fctr2
## gSPrd.fctrNon-federalstudentloan:.clusterid.fctr2 gSPrd.fctrNon-federalstudentloan:.clusterid.fctr2
## gSPrd.fctrFHAmortgage:.clusterid.fctr2 gSPrd.fctrFHAmortgage:.clusterid.fctr2
## gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr2 gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr2
## gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr2 gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr2
## gSPrd.fctrVehiclelease:.clusterid.fctr2 gSPrd.fctrVehiclelease:.clusterid.fctr2
## gSPrd.fctrSavingsaccount:.clusterid.fctr2 gSPrd.fctrSavingsaccount:.clusterid.fctr2
## gSPrd.fctrFederalstudentloan:.clusterid.fctr2 gSPrd.fctrFederalstudentloan:.clusterid.fctr2
## gSPrd.fctrMortgage:.clusterid.fctr2 gSPrd.fctrMortgage:.clusterid.fctr2
## gSPrd.fctrReversemortgage:.clusterid.fctr2 gSPrd.fctrReversemortgage:.clusterid.fctr2
## gSPrd.fctrAuto:.clusterid.fctr2 gSPrd.fctrAuto:.clusterid.fctr2
## gSPrd.fctrInstallmentloan:.clusterid.fctr2 gSPrd.fctrInstallmentloan:.clusterid.fctr2
## gSPrd.fctrMedical:.clusterid.fctr2 gSPrd.fctrMedical:.clusterid.fctr2
## gSPrd.fctrVAmortgage:.clusterid.fctr2 gSPrd.fctrVAmortgage:.clusterid.fctr2
## gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr2 gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr2
## gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr2 gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr2
## gSPrd.fctrPersonallineofcredit:.clusterid.fctr2 gSPrd.fctrPersonallineofcredit:.clusterid.fctr2
## gSPrd.fctrSecondmortgage:.clusterid.fctr2 gSPrd.fctrSecondmortgage:.clusterid.fctr2
## gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr2 gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr2
## gSPrd.fctrPaydayloan:.clusterid.fctr2 gSPrd.fctrPaydayloan:.clusterid.fctr2
## gSPrd.fctrCheckcashing:.clusterid.fctr2 gSPrd.fctrCheckcashing:.clusterid.fctr2
## gSPrd.fctrMobilewallet:.clusterid.fctr2 gSPrd.fctrMobilewallet:.clusterid.fctr2
## gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr2 gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr2
## gSPrd.fctrGiftormerchantcard:.clusterid.fctr2 gSPrd.fctrGiftormerchantcard:.clusterid.fctr2
## gSPrd.fctrGeneralpurposecard:.clusterid.fctr2 gSPrd.fctrGeneralpurposecard:.clusterid.fctr2
## gSPrd.fctrTitleloan:.clusterid.fctr2 gSPrd.fctrTitleloan:.clusterid.fctr2
## gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr2 gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr2
## gSPrd.fctrRefundanticipationcheck:.clusterid.fctr2 gSPrd.fctrRefundanticipationcheck:.clusterid.fctr2
## gSPrd.fctrDebtsettlement:.clusterid.fctr2 gSPrd.fctrDebtsettlement:.clusterid.fctr2
## gSPrd.fctrPayrollcard:.clusterid.fctr2 gSPrd.fctrPayrollcard:.clusterid.fctr2
## gSPrd.fctrIDprepaidcard:.clusterid.fctr2 gSPrd.fctrIDprepaidcard:.clusterid.fctr2
## gSPrd.fctrCreditrepair:.clusterid.fctr2 gSPrd.fctrCreditrepair:.clusterid.fctr2
## gSPrd.fctrPawnloan:.clusterid.fctr2 gSPrd.fctrPawnloan:.clusterid.fctr2
## gSPrd.fctrMoneyorder:.clusterid.fctr2 gSPrd.fctrMoneyorder:.clusterid.fctr2
## gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks:.clusterid.fctr2 gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks:.clusterid.fctr2
## gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr2 gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr2
## gSPrd.fctrOther:.clusterid.fctr3 gSPrd.fctrOther:.clusterid.fctr3
## gSPrd.fctrVehicleloan:.clusterid.fctr3 gSPrd.fctrVehicleloan:.clusterid.fctr3
## gSPrd.fctrCheckingaccount:.clusterid.fctr3 gSPrd.fctrCheckingaccount:.clusterid.fctr3
## gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr3 gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr3
## gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr3 gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr3
## gSPrd.fctrIdonotknow:.clusterid.fctr3 gSPrd.fctrIdonotknow:.clusterid.fctr3
## gSPrd.fctr:.clusterid.fctr3 gSPrd.fctr:.clusterid.fctr3
## gSPrd.fctrOthermortgage:.clusterid.fctr3 gSPrd.fctrOthermortgage:.clusterid.fctr3
## gSPrd.fctrCreditcard:.clusterid.fctr3 gSPrd.fctrCreditcard:.clusterid.fctr3
## gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr3 gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr3
## gSPrd.fctrOtherbankproduct/service:.clusterid.fctr3 gSPrd.fctrOtherbankproduct/service:.clusterid.fctr3
## gSPrd.fctrNon-federalstudentloan:.clusterid.fctr3 gSPrd.fctrNon-federalstudentloan:.clusterid.fctr3
## gSPrd.fctrFHAmortgage:.clusterid.fctr3 gSPrd.fctrFHAmortgage:.clusterid.fctr3
## gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr3 gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr3
## gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr3 gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr3
## gSPrd.fctrVehiclelease:.clusterid.fctr3 gSPrd.fctrVehiclelease:.clusterid.fctr3
## gSPrd.fctrSavingsaccount:.clusterid.fctr3 gSPrd.fctrSavingsaccount:.clusterid.fctr3
## gSPrd.fctrFederalstudentloan:.clusterid.fctr3 gSPrd.fctrFederalstudentloan:.clusterid.fctr3
## gSPrd.fctrMortgage:.clusterid.fctr3 gSPrd.fctrMortgage:.clusterid.fctr3
## gSPrd.fctrReversemortgage:.clusterid.fctr3 gSPrd.fctrReversemortgage:.clusterid.fctr3
## gSPrd.fctrAuto:.clusterid.fctr3 gSPrd.fctrAuto:.clusterid.fctr3
## gSPrd.fctrInstallmentloan:.clusterid.fctr3 gSPrd.fctrInstallmentloan:.clusterid.fctr3
## gSPrd.fctrMedical:.clusterid.fctr3 gSPrd.fctrMedical:.clusterid.fctr3
## gSPrd.fctrVAmortgage:.clusterid.fctr3 gSPrd.fctrVAmortgage:.clusterid.fctr3
## gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr3 gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr3
## gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr3 gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr3
## gSPrd.fctrPersonallineofcredit:.clusterid.fctr3 gSPrd.fctrPersonallineofcredit:.clusterid.fctr3
## gSPrd.fctrSecondmortgage:.clusterid.fctr3 gSPrd.fctrSecondmortgage:.clusterid.fctr3
## gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr3 gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr3
## gSPrd.fctrPaydayloan:.clusterid.fctr3 gSPrd.fctrPaydayloan:.clusterid.fctr3
## gSPrd.fctrCheckcashing:.clusterid.fctr3 gSPrd.fctrCheckcashing:.clusterid.fctr3
## gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr3 gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr3
## gSPrd.fctrGiftormerchantcard:.clusterid.fctr3 gSPrd.fctrGiftormerchantcard:.clusterid.fctr3
## gSPrd.fctrTitleloan:.clusterid.fctr3 gSPrd.fctrTitleloan:.clusterid.fctr3
## gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr3 gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr3
## gSPrd.fctrRefundanticipationcheck:.clusterid.fctr3 gSPrd.fctrRefundanticipationcheck:.clusterid.fctr3
## gSPrd.fctrDebtsettlement:.clusterid.fctr3 gSPrd.fctrDebtsettlement:.clusterid.fctr3
## gSPrd.fctrPayrollcard:.clusterid.fctr3 gSPrd.fctrPayrollcard:.clusterid.fctr3
## gSPrd.fctrIDprepaidcard:.clusterid.fctr3 gSPrd.fctrIDprepaidcard:.clusterid.fctr3
## gSPrd.fctrCreditrepair:.clusterid.fctr3 gSPrd.fctrCreditrepair:.clusterid.fctr3
## gSPrd.fctrPawnloan:.clusterid.fctr3 gSPrd.fctrPawnloan:.clusterid.fctr3
## gSPrd.fctrMoneyorder:.clusterid.fctr3 gSPrd.fctrMoneyorder:.clusterid.fctr3
## gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks:.clusterid.fctr3 gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks:.clusterid.fctr3
## gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr3 gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr3
## gSPrd.fctrOther:.clusterid.fctr4 gSPrd.fctrOther:.clusterid.fctr4
## gSPrd.fctrVehicleloan:.clusterid.fctr4 gSPrd.fctrVehicleloan:.clusterid.fctr4
## gSPrd.fctrCheckingaccount:.clusterid.fctr4 gSPrd.fctrCheckingaccount:.clusterid.fctr4
## gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr4 gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr4
## gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr4 gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr4
## gSPrd.fctrIdonotknow:.clusterid.fctr4 gSPrd.fctrIdonotknow:.clusterid.fctr4
## gSPrd.fctr:.clusterid.fctr4 gSPrd.fctr:.clusterid.fctr4
## gSPrd.fctrOthermortgage:.clusterid.fctr4 gSPrd.fctrOthermortgage:.clusterid.fctr4
## gSPrd.fctrCreditcard:.clusterid.fctr4 gSPrd.fctrCreditcard:.clusterid.fctr4
## gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr4 gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr4
## gSPrd.fctrOtherbankproduct/service:.clusterid.fctr4 gSPrd.fctrOtherbankproduct/service:.clusterid.fctr4
## gSPrd.fctrNon-federalstudentloan:.clusterid.fctr4 gSPrd.fctrNon-federalstudentloan:.clusterid.fctr4
## gSPrd.fctrFHAmortgage:.clusterid.fctr4 gSPrd.fctrFHAmortgage:.clusterid.fctr4
## gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr4 gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr4
## gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr4 gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr4
## gSPrd.fctrVehiclelease:.clusterid.fctr4 gSPrd.fctrVehiclelease:.clusterid.fctr4
## gSPrd.fctrSavingsaccount:.clusterid.fctr4 gSPrd.fctrSavingsaccount:.clusterid.fctr4
## gSPrd.fctrFederalstudentloan:.clusterid.fctr4 gSPrd.fctrFederalstudentloan:.clusterid.fctr4
## gSPrd.fctrMortgage:.clusterid.fctr4 gSPrd.fctrMortgage:.clusterid.fctr4
## gSPrd.fctrReversemortgage:.clusterid.fctr4 gSPrd.fctrReversemortgage:.clusterid.fctr4
## gSPrd.fctrAuto:.clusterid.fctr4 gSPrd.fctrAuto:.clusterid.fctr4
## gSPrd.fctrInstallmentloan:.clusterid.fctr4 gSPrd.fctrInstallmentloan:.clusterid.fctr4
## gSPrd.fctrMedical:.clusterid.fctr4 gSPrd.fctrMedical:.clusterid.fctr4
## gSPrd.fctrVAmortgage:.clusterid.fctr4 gSPrd.fctrVAmortgage:.clusterid.fctr4
## gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr4 gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr4
## gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr4 gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr4
## gSPrd.fctrPersonallineofcredit:.clusterid.fctr4 gSPrd.fctrPersonallineofcredit:.clusterid.fctr4
## gSPrd.fctrSecondmortgage:.clusterid.fctr4 gSPrd.fctrSecondmortgage:.clusterid.fctr4
## gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr4 gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr4
## gSPrd.fctrPaydayloan:.clusterid.fctr4 gSPrd.fctrPaydayloan:.clusterid.fctr4
## gSPrd.fctrCheckcashing:.clusterid.fctr4 gSPrd.fctrCheckcashing:.clusterid.fctr4
## gSPrd.fctrMobilewallet:.clusterid.fctr4 gSPrd.fctrMobilewallet:.clusterid.fctr4
## gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr4 gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr4
## gSPrd.fctrGiftormerchantcard:.clusterid.fctr4 gSPrd.fctrGiftormerchantcard:.clusterid.fctr4
## gSPrd.fctrGeneralpurposecard:.clusterid.fctr4 gSPrd.fctrGeneralpurposecard:.clusterid.fctr4
## gSPrd.fctrTitleloan:.clusterid.fctr4 gSPrd.fctrTitleloan:.clusterid.fctr4
## gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr4 gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr4
## gSPrd.fctrRefundanticipationcheck:.clusterid.fctr4 gSPrd.fctrRefundanticipationcheck:.clusterid.fctr4
## gSPrd.fctrDebtsettlement:.clusterid.fctr4 gSPrd.fctrDebtsettlement:.clusterid.fctr4
## gSPrd.fctrPayrollcard:.clusterid.fctr4 gSPrd.fctrPayrollcard:.clusterid.fctr4
## gSPrd.fctrIDprepaidcard:.clusterid.fctr4 gSPrd.fctrIDprepaidcard:.clusterid.fctr4
## gSPrd.fctrCreditrepair:.clusterid.fctr4 gSPrd.fctrCreditrepair:.clusterid.fctr4
## gSPrd.fctrPawnloan:.clusterid.fctr4 gSPrd.fctrPawnloan:.clusterid.fctr4
## gSPrd.fctrMoneyorder:.clusterid.fctr4 gSPrd.fctrMoneyorder:.clusterid.fctr4
## gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks:.clusterid.fctr4 gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks:.clusterid.fctr4
## gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr4 gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr4
## rel.inf
## Datereceived.juliandate 11.6942793
## Datereceived.last32.log1p 10.4663268
## .rnorm 10.0440344
## Response.fctrClosedwithmonetaryrelief 7.5708353
## gCompany.fctrAmex 7.5153939
## Datereceived.last16.log1p 4.6495452
## Datereceived.last2.log1p 4.3109082
## Datereceived.last4.log1p 4.2109105
## Sent.Recd.Dys 3.0803032
## Datereceived.month.fctr07 3.0723298
## Datereceived.year.fctr2016 2.5797180
## Datereceived.last8.log1p 2.2840333
## Sent.Recd.Dys.nexp 2.1042874
## Datereceived.wkend 2.0596648
## Channel.fctrPhone 1.9900650
## Response.fctrClosedwithnon-monetaryrelief 1.7181929
## gTags.fctrServicemember 1.5922156
## gCompany.fctrCitibank 1.4706241
## gCompany.fctrNetSpendCorporation,aTSYSCompany 1.4065563
## Rgn.Dvn.fctrWT#Pacific 1.3916654
## Datereceived.month.fctr06 1.2963442
## Datereceived.month.fctr09 1.2819048
## gSPrd.fctrMobilewallet 1.2364620
## Channel.fctrReferral 1.1969326
## Datereceived.month.fctr05 1.1793508
## Rgn.Dvn.fctrMW#EastNorthCentral 1.1085385
## gSPrd.fctrPayrollcard 0.9842425
## gSPrd.fctrOther:.clusterid.fctr2 0.7533706
## gSPrd.fctrMobilewallet:.clusterid.fctr3 0.6205197
## gSPrd.fctrGeneralpurposecard:.clusterid.fctr3 0.6168959
## gSPrd.fctrGeneralpurposecard 0.5345991
## gCConsent.fctrConsentprovided 0.5253100
## Datereceived.month.fctr08 0.5008988
## gCompany.fctrOther 0.4432724
## Datereceived.year.fctr2015 0.4330541
## Rgn.Dvn.fctrMW#WestNorthCentral#MidAtlantic 0.4008774
## gCConsent.fctrOther 0.3759966
## gSPrd.fctrGiftormerchantcard 0.3386735
## gCompany.fctrComerica 0.2994984
## Datereceived.wkday.fctr4 0.2887134
## gSPrd.fctrIDprepaidcard 0.1881712
## Datereceived.month.fctr03 0.1844840
## .clusterid 0.0000000
## Channel.fctrFax 0.0000000
## Channel.fctrPostalmail 0.0000000
## Datereceived.date.fctr(7,13] 0.0000000
## Datereceived.date.fctr(13,19] 0.0000000
## Datereceived.date.fctr(19,25] 0.0000000
## Datereceived.date.fctr(25,31] 0.0000000
## Datereceived.month.fctr02 0.0000000
## Datereceived.month.fctr04 0.0000000
## Datereceived.month.fctr10 0.0000000
## Datereceived.month.fctr11 0.0000000
## Datereceived.month.fctr12 0.0000000
## Datereceived.wkday.fctr1 0.0000000
## Datereceived.wkday.fctr2 0.0000000
## Datereceived.wkday.fctr3 0.0000000
## Datereceived.wkday.fctr5 0.0000000
## Datereceived.wkday.fctr6 0.0000000
## Datesenttocompany.date.fctr(7,13] 0.0000000
## Datesenttocompany.date.fctr(13,19] 0.0000000
## Datesenttocompany.date.fctr(19,25] 0.0000000
## Datesenttocompany.date.fctr(25,31] 0.0000000
## Datesenttocompany.juliandate 0.0000000
## Datesenttocompany.last16.log1p 0.0000000
## Datesenttocompany.last2.log1p 0.0000000
## Datesenttocompany.last32.log1p 0.0000000
## Datesenttocompany.last4.log1p 0.0000000
## Datesenttocompany.last8.log1p 0.0000000
## Datesenttocompany.month.fctr02 0.0000000
## Datesenttocompany.month.fctr03 0.0000000
## Datesenttocompany.month.fctr04 0.0000000
## Datesenttocompany.month.fctr05 0.0000000
## Datesenttocompany.month.fctr06 0.0000000
## Datesenttocompany.month.fctr07 0.0000000
## Datesenttocompany.month.fctr08 0.0000000
## Datesenttocompany.month.fctr09 0.0000000
## Datesenttocompany.month.fctr10 0.0000000
## Datesenttocompany.month.fctr11 0.0000000
## Datesenttocompany.month.fctr12 0.0000000
## Datesenttocompany.wkday.fctr1 0.0000000
## Datesenttocompany.wkday.fctr2 0.0000000
## Datesenttocompany.wkday.fctr3 0.0000000
## Datesenttocompany.wkday.fctr4 0.0000000
## Datesenttocompany.wkday.fctr5 0.0000000
## Datesenttocompany.wkday.fctr6 0.0000000
## Datesenttocompany.wkend 0.0000000
## Datesenttocompany.year.fctr2015 0.0000000
## Datesenttocompany.year.fctr2016 0.0000000
## Response.fctrClosed 0.0000000
## Response.fctrInprogress 0.0000000
## Response.fctrUntimelyresponse 0.0000000
## Rgn.Dvn.fctrMW#WestNorthCentral 0.0000000
## Rgn.Dvn.fctrMW#WestNorthCentral#NewEngland 0.0000000
## Rgn.Dvn.fctrOT#Other 0.0000000
## Rgn.Dvn.fctrSH#EastSouthCentral 0.0000000
## Rgn.Dvn.fctrSH#WestSouthCentral 0.0000000
## Rgn.Dvn.fctrWT#Mountain 0.0000000
## Sent.Recd.Dys.log1p 0.0000000
## Sent.Recd.Dys.root2 0.0000000
## gCConsent.fctrConsentnotprovided 0.0000000
## gCompany.fctrBlackhawkNetworkHoldingsInc. 0.0000000
## gCompany.fctrPayPalHoldings,Inc. 0.0000000
## gCompany.fctrU.S.Bancorp 0.0000000
## gSPrd.fctrVehicleloan 0.0000000
## gSPrd.fctrCheckingaccount 0.0000000
## gSPrd.fctrConventionalfixedmortgage 0.0000000
## gSPrd.fctrOther(i.e.phone,healthclub,etc.) 0.0000000
## gSPrd.fctrIdonotknow 0.0000000
## gSPrd.fctr 0.0000000
## gSPrd.fctrOthermortgage 0.0000000
## gSPrd.fctrCreditcard 0.0000000
## gSPrd.fctrConventionaladjustablemortgage(ARM) 0.0000000
## gSPrd.fctrOtherbankproduct/service 0.0000000
## gSPrd.fctrNon-federalstudentloan 0.0000000
## gSPrd.fctrFHAmortgage 0.0000000
## gSPrd.fctr(CD)Certificateofdeposit 0.0000000
## gSPrd.fctrHomeequityloanorlineofcredit 0.0000000
## gSPrd.fctrVehiclelease 0.0000000
## gSPrd.fctrSavingsaccount 0.0000000
## gSPrd.fctrFederalstudentloan 0.0000000
## gSPrd.fctrMortgage 0.0000000
## gSPrd.fctrReversemortgage 0.0000000
## gSPrd.fctrAuto 0.0000000
## gSPrd.fctrInstallmentloan 0.0000000
## gSPrd.fctrMedical 0.0000000
## gSPrd.fctrVAmortgage 0.0000000
## gSPrd.fctrDomestic(US)moneytransfer 0.0000000
## gSPrd.fctrInternationalmoneytransfer 0.0000000
## gSPrd.fctrPersonallineofcredit 0.0000000
## gSPrd.fctrSecondmortgage 0.0000000
## gSPrd.fctrCashingacheckwithoutanaccount 0.0000000
## gSPrd.fctrPaydayloan 0.0000000
## gSPrd.fctrCheckcashing 0.0000000
## gSPrd.fctrGovernmentbenefitpaymentcard 0.0000000
## gSPrd.fctrTitleloan 0.0000000
## gSPrd.fctrForeigncurrencyexchange 0.0000000
## gSPrd.fctrRefundanticipationcheck 0.0000000
## gSPrd.fctrDebtsettlement 0.0000000
## gSPrd.fctrCreditrepair 0.0000000
## gSPrd.fctrPawnloan 0.0000000
## gSPrd.fctrMoneyorder 0.0000000
## gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks 0.0000000
## gSPrd.fctrFederalstudentloanservicing 0.0000000
## gTags.fctrOlderAmerican 0.0000000
## gTags.fctrOlderAmericanServicemember 0.0000000
## gSPrd.fctrVehicleloan:.clusterid.fctr2 0.0000000
## gSPrd.fctrCheckingaccount:.clusterid.fctr2 0.0000000
## gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr2 0.0000000
## gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr2 0.0000000
## gSPrd.fctrIdonotknow:.clusterid.fctr2 0.0000000
## gSPrd.fctr:.clusterid.fctr2 0.0000000
## gSPrd.fctrOthermortgage:.clusterid.fctr2 0.0000000
## gSPrd.fctrCreditcard:.clusterid.fctr2 0.0000000
## gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr2 0.0000000
## gSPrd.fctrOtherbankproduct/service:.clusterid.fctr2 0.0000000
## gSPrd.fctrNon-federalstudentloan:.clusterid.fctr2 0.0000000
## gSPrd.fctrFHAmortgage:.clusterid.fctr2 0.0000000
## gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr2 0.0000000
## gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr2 0.0000000
## gSPrd.fctrVehiclelease:.clusterid.fctr2 0.0000000
## gSPrd.fctrSavingsaccount:.clusterid.fctr2 0.0000000
## gSPrd.fctrFederalstudentloan:.clusterid.fctr2 0.0000000
## gSPrd.fctrMortgage:.clusterid.fctr2 0.0000000
## gSPrd.fctrReversemortgage:.clusterid.fctr2 0.0000000
## gSPrd.fctrAuto:.clusterid.fctr2 0.0000000
## gSPrd.fctrInstallmentloan:.clusterid.fctr2 0.0000000
## gSPrd.fctrMedical:.clusterid.fctr2 0.0000000
## gSPrd.fctrVAmortgage:.clusterid.fctr2 0.0000000
## gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr2 0.0000000
## gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr2 0.0000000
## gSPrd.fctrPersonallineofcredit:.clusterid.fctr2 0.0000000
## gSPrd.fctrSecondmortgage:.clusterid.fctr2 0.0000000
## gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr2 0.0000000
## gSPrd.fctrPaydayloan:.clusterid.fctr2 0.0000000
## gSPrd.fctrCheckcashing:.clusterid.fctr2 0.0000000
## gSPrd.fctrMobilewallet:.clusterid.fctr2 0.0000000
## gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr2 0.0000000
## gSPrd.fctrGiftormerchantcard:.clusterid.fctr2 0.0000000
## gSPrd.fctrGeneralpurposecard:.clusterid.fctr2 0.0000000
## gSPrd.fctrTitleloan:.clusterid.fctr2 0.0000000
## gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr2 0.0000000
## gSPrd.fctrRefundanticipationcheck:.clusterid.fctr2 0.0000000
## gSPrd.fctrDebtsettlement:.clusterid.fctr2 0.0000000
## gSPrd.fctrPayrollcard:.clusterid.fctr2 0.0000000
## gSPrd.fctrIDprepaidcard:.clusterid.fctr2 0.0000000
## gSPrd.fctrCreditrepair:.clusterid.fctr2 0.0000000
## gSPrd.fctrPawnloan:.clusterid.fctr2 0.0000000
## gSPrd.fctrMoneyorder:.clusterid.fctr2 0.0000000
## gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks:.clusterid.fctr2 0.0000000
## gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr2 0.0000000
## gSPrd.fctrOther:.clusterid.fctr3 0.0000000
## gSPrd.fctrVehicleloan:.clusterid.fctr3 0.0000000
## gSPrd.fctrCheckingaccount:.clusterid.fctr3 0.0000000
## gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr3 0.0000000
## gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr3 0.0000000
## gSPrd.fctrIdonotknow:.clusterid.fctr3 0.0000000
## gSPrd.fctr:.clusterid.fctr3 0.0000000
## gSPrd.fctrOthermortgage:.clusterid.fctr3 0.0000000
## gSPrd.fctrCreditcard:.clusterid.fctr3 0.0000000
## gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr3 0.0000000
## gSPrd.fctrOtherbankproduct/service:.clusterid.fctr3 0.0000000
## gSPrd.fctrNon-federalstudentloan:.clusterid.fctr3 0.0000000
## gSPrd.fctrFHAmortgage:.clusterid.fctr3 0.0000000
## gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr3 0.0000000
## gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr3 0.0000000
## gSPrd.fctrVehiclelease:.clusterid.fctr3 0.0000000
## gSPrd.fctrSavingsaccount:.clusterid.fctr3 0.0000000
## gSPrd.fctrFederalstudentloan:.clusterid.fctr3 0.0000000
## gSPrd.fctrMortgage:.clusterid.fctr3 0.0000000
## gSPrd.fctrReversemortgage:.clusterid.fctr3 0.0000000
## gSPrd.fctrAuto:.clusterid.fctr3 0.0000000
## gSPrd.fctrInstallmentloan:.clusterid.fctr3 0.0000000
## gSPrd.fctrMedical:.clusterid.fctr3 0.0000000
## gSPrd.fctrVAmortgage:.clusterid.fctr3 0.0000000
## gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr3 0.0000000
## gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr3 0.0000000
## gSPrd.fctrPersonallineofcredit:.clusterid.fctr3 0.0000000
## gSPrd.fctrSecondmortgage:.clusterid.fctr3 0.0000000
## gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr3 0.0000000
## gSPrd.fctrPaydayloan:.clusterid.fctr3 0.0000000
## gSPrd.fctrCheckcashing:.clusterid.fctr3 0.0000000
## gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr3 0.0000000
## gSPrd.fctrGiftormerchantcard:.clusterid.fctr3 0.0000000
## gSPrd.fctrTitleloan:.clusterid.fctr3 0.0000000
## gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr3 0.0000000
## gSPrd.fctrRefundanticipationcheck:.clusterid.fctr3 0.0000000
## gSPrd.fctrDebtsettlement:.clusterid.fctr3 0.0000000
## gSPrd.fctrPayrollcard:.clusterid.fctr3 0.0000000
## gSPrd.fctrIDprepaidcard:.clusterid.fctr3 0.0000000
## gSPrd.fctrCreditrepair:.clusterid.fctr3 0.0000000
## gSPrd.fctrPawnloan:.clusterid.fctr3 0.0000000
## gSPrd.fctrMoneyorder:.clusterid.fctr3 0.0000000
## gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks:.clusterid.fctr3 0.0000000
## gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr3 0.0000000
## gSPrd.fctrOther:.clusterid.fctr4 0.0000000
## gSPrd.fctrVehicleloan:.clusterid.fctr4 0.0000000
## gSPrd.fctrCheckingaccount:.clusterid.fctr4 0.0000000
## gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr4 0.0000000
## gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr4 0.0000000
## gSPrd.fctrIdonotknow:.clusterid.fctr4 0.0000000
## gSPrd.fctr:.clusterid.fctr4 0.0000000
## gSPrd.fctrOthermortgage:.clusterid.fctr4 0.0000000
## gSPrd.fctrCreditcard:.clusterid.fctr4 0.0000000
## gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr4 0.0000000
## gSPrd.fctrOtherbankproduct/service:.clusterid.fctr4 0.0000000
## gSPrd.fctrNon-federalstudentloan:.clusterid.fctr4 0.0000000
## gSPrd.fctrFHAmortgage:.clusterid.fctr4 0.0000000
## gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr4 0.0000000
## gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr4 0.0000000
## gSPrd.fctrVehiclelease:.clusterid.fctr4 0.0000000
## gSPrd.fctrSavingsaccount:.clusterid.fctr4 0.0000000
## gSPrd.fctrFederalstudentloan:.clusterid.fctr4 0.0000000
## gSPrd.fctrMortgage:.clusterid.fctr4 0.0000000
## gSPrd.fctrReversemortgage:.clusterid.fctr4 0.0000000
## gSPrd.fctrAuto:.clusterid.fctr4 0.0000000
## gSPrd.fctrInstallmentloan:.clusterid.fctr4 0.0000000
## gSPrd.fctrMedical:.clusterid.fctr4 0.0000000
## gSPrd.fctrVAmortgage:.clusterid.fctr4 0.0000000
## gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr4 0.0000000
## gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr4 0.0000000
## gSPrd.fctrPersonallineofcredit:.clusterid.fctr4 0.0000000
## gSPrd.fctrSecondmortgage:.clusterid.fctr4 0.0000000
## gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr4 0.0000000
## gSPrd.fctrPaydayloan:.clusterid.fctr4 0.0000000
## gSPrd.fctrCheckcashing:.clusterid.fctr4 0.0000000
## gSPrd.fctrMobilewallet:.clusterid.fctr4 0.0000000
## gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr4 0.0000000
## gSPrd.fctrGiftormerchantcard:.clusterid.fctr4 0.0000000
## gSPrd.fctrGeneralpurposecard:.clusterid.fctr4 0.0000000
## gSPrd.fctrTitleloan:.clusterid.fctr4 0.0000000
## gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr4 0.0000000
## gSPrd.fctrRefundanticipationcheck:.clusterid.fctr4 0.0000000
## gSPrd.fctrDebtsettlement:.clusterid.fctr4 0.0000000
## gSPrd.fctrPayrollcard:.clusterid.fctr4 0.0000000
## gSPrd.fctrIDprepaidcard:.clusterid.fctr4 0.0000000
## gSPrd.fctrCreditrepair:.clusterid.fctr4 0.0000000
## gSPrd.fctrPawnloan:.clusterid.fctr4 0.0000000
## gSPrd.fctrMoneyorder:.clusterid.fctr4 0.0000000
## gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks:.clusterid.fctr4 0.0000000
## gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr4 0.0000000## [1] TRUE
## [1] "All.X##rcv#gbm fit prediction diagnostics:"## [1] "All.X##rcv#gbm OOB prediction diagnostics:"## All.X..rcv.gbm.imp
## Datereceived.juliandate 100.000000
## Datereceived.last32.log1p 89.499546
## .rnorm 85.888443
## Response.fctrClosedwithmonetaryrelief 64.739648
## gCompany.fctrAmex 64.265558
## Datereceived.last16.log1p 39.759143
## Datereceived.last2.log1p 36.863393
## Datereceived.last4.log1p 36.008294
## Sent.Recd.Dys 26.340257
## Datereceived.month.fctr07 26.272074
## Datereceived.year.fctr2016 22.059658
## Datereceived.last8.log1p 19.531202
## Sent.Recd.Dys.nexp 17.994161
## Datereceived.wkend 17.612585
## Channel.fctrPhone 17.017423
## Response.fctrClosedwithnon-monetaryrelief 14.692593
## gTags.fctrServicemember 13.615337
## gCompany.fctrCitibank 12.575585
## gCompany.fctrNetSpendCorporation,aTSYSCompany 12.027730
## Rgn.Dvn.fctrWT#Pacific 11.900394
## Datereceived.month.fctr06 11.085285
## Datereceived.month.fctr09 10.961811
## gSPrd.fctrMobilewallet 10.573221
## Channel.fctrReferral 10.235198
## Datereceived.month.fctr05 10.084853
## Rgn.Dvn.fctrMW#EastNorthCentral 9.479323
## gSPrd.fctrPayrollcard 8.416444
## gSPrd.fctrOther:.clusterid.fctr2 6.442215
## gSPrd.fctrMobilewallet:.clusterid.fctr3 5.306182
## gSPrd.fctrGeneralpurposecard:.clusterid.fctr3 5.275194
## gSPrd.fctrGeneralpurposecard 4.571458
## gCConsent.fctrConsentprovided 4.492026
## Datereceived.month.fctr08 4.283281
## gCompany.fctrOther 3.790506
## Datereceived.year.fctr2015 3.703128
## Rgn.Dvn.fctrMW#WestNorthCentral#MidAtlantic 3.427979
## gCConsent.fctrOther 3.215218
## gSPrd.fctrGiftormerchantcard 2.896061
## gCompany.fctrComerica 2.561068
## Datereceived.wkday.fctr4 2.468843
## gSPrd.fctrIDprepaidcard 1.609088
## Datereceived.month.fctr03 1.577557
## .clusterid 0.000000
## Channel.fctrFax 0.000000
## Channel.fctrPostalmail 0.000000
## Datereceived.date.fctr(7,13] 0.000000
## Datereceived.date.fctr(13,19] 0.000000
## Datereceived.date.fctr(19,25] 0.000000
## Datereceived.date.fctr(25,31] 0.000000
## Datereceived.month.fctr02 0.000000
## Datereceived.month.fctr04 0.000000
## Datereceived.month.fctr10 0.000000
## Datereceived.month.fctr11 0.000000
## Datereceived.month.fctr12 0.000000
## Datereceived.wkday.fctr1 0.000000
## Datereceived.wkday.fctr2 0.000000
## Datereceived.wkday.fctr3 0.000000
## Datereceived.wkday.fctr5 0.000000
## Datereceived.wkday.fctr6 0.000000
## Datesenttocompany.date.fctr(7,13] 0.000000
## Datesenttocompany.date.fctr(13,19] 0.000000
## Datesenttocompany.date.fctr(19,25] 0.000000
## Datesenttocompany.date.fctr(25,31] 0.000000
## Datesenttocompany.juliandate 0.000000
## Datesenttocompany.last16.log1p 0.000000
## Datesenttocompany.last2.log1p 0.000000
## Datesenttocompany.last32.log1p 0.000000
## Datesenttocompany.last4.log1p 0.000000
## Datesenttocompany.last8.log1p 0.000000
## Datesenttocompany.month.fctr02 0.000000
## Datesenttocompany.month.fctr03 0.000000
## Datesenttocompany.month.fctr04 0.000000
## Datesenttocompany.month.fctr05 0.000000
## Datesenttocompany.month.fctr06 0.000000
## Datesenttocompany.month.fctr07 0.000000
## Datesenttocompany.month.fctr08 0.000000
## Datesenttocompany.month.fctr09 0.000000
## Datesenttocompany.month.fctr10 0.000000
## Datesenttocompany.month.fctr11 0.000000
## Datesenttocompany.month.fctr12 0.000000
## Datesenttocompany.wkday.fctr1 0.000000
## Datesenttocompany.wkday.fctr2 0.000000
## Datesenttocompany.wkday.fctr3 0.000000
## Datesenttocompany.wkday.fctr4 0.000000
## Datesenttocompany.wkday.fctr5 0.000000
## Datesenttocompany.wkday.fctr6 0.000000
## Datesenttocompany.wkend 0.000000
## Datesenttocompany.year.fctr2015 0.000000
## Datesenttocompany.year.fctr2016 0.000000
## Response.fctrClosed 0.000000
## Response.fctrInprogress 0.000000
## Response.fctrUntimelyresponse 0.000000
## Rgn.Dvn.fctrMW#WestNorthCentral 0.000000
## Rgn.Dvn.fctrMW#WestNorthCentral#NewEngland 0.000000
## Rgn.Dvn.fctrOT#Other 0.000000
## Rgn.Dvn.fctrSH#EastSouthCentral 0.000000
## Rgn.Dvn.fctrSH#WestSouthCentral 0.000000
## Rgn.Dvn.fctrWT#Mountain 0.000000
## Sent.Recd.Dys.log1p 0.000000
## Sent.Recd.Dys.root2 0.000000
## gCConsent.fctrConsentnotprovided 0.000000
## gCompany.fctrBlackhawkNetworkHoldingsInc. 0.000000
## gCompany.fctrPayPalHoldings,Inc. 0.000000
## gCompany.fctrU.S.Bancorp 0.000000
## gSPrd.fctrVehicleloan 0.000000
## gSPrd.fctrCheckingaccount 0.000000
## gSPrd.fctrConventionalfixedmortgage 0.000000
## gSPrd.fctrOther(i.e.phone,healthclub,etc.) 0.000000
## gSPrd.fctrIdonotknow 0.000000
## gSPrd.fctr 0.000000
## gSPrd.fctrOthermortgage 0.000000
## gSPrd.fctrCreditcard 0.000000
## gSPrd.fctrConventionaladjustablemortgage(ARM) 0.000000
## gSPrd.fctrOtherbankproduct/service 0.000000
## gSPrd.fctrNon-federalstudentloan 0.000000
## gSPrd.fctrFHAmortgage 0.000000
## gSPrd.fctr(CD)Certificateofdeposit 0.000000
## gSPrd.fctrHomeequityloanorlineofcredit 0.000000
## gSPrd.fctrVehiclelease 0.000000
## gSPrd.fctrSavingsaccount 0.000000
## gSPrd.fctrFederalstudentloan 0.000000
## gSPrd.fctrMortgage 0.000000
## gSPrd.fctrReversemortgage 0.000000
## gSPrd.fctrAuto 0.000000
## gSPrd.fctrInstallmentloan 0.000000
## gSPrd.fctrMedical 0.000000
## gSPrd.fctrVAmortgage 0.000000
## gSPrd.fctrDomestic(US)moneytransfer 0.000000
## gSPrd.fctrInternationalmoneytransfer 0.000000
## gSPrd.fctrPersonallineofcredit 0.000000
## gSPrd.fctrSecondmortgage 0.000000
## gSPrd.fctrCashingacheckwithoutanaccount 0.000000
## gSPrd.fctrPaydayloan 0.000000
## gSPrd.fctrCheckcashing 0.000000
## gSPrd.fctrGovernmentbenefitpaymentcard 0.000000
## gSPrd.fctrTitleloan 0.000000
## gSPrd.fctrForeigncurrencyexchange 0.000000
## gSPrd.fctrRefundanticipationcheck 0.000000
## gSPrd.fctrDebtsettlement 0.000000
## gSPrd.fctrCreditrepair 0.000000
## gSPrd.fctrPawnloan 0.000000
## gSPrd.fctrMoneyorder 0.000000
## gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks 0.000000
## gSPrd.fctrFederalstudentloanservicing 0.000000
## gTags.fctrOlderAmerican 0.000000
## gTags.fctrOlderAmericanServicemember 0.000000
## gSPrd.fctrVehicleloan:.clusterid.fctr2 0.000000
## gSPrd.fctrCheckingaccount:.clusterid.fctr2 0.000000
## gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr2 0.000000
## gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr2 0.000000
## gSPrd.fctrIdonotknow:.clusterid.fctr2 0.000000
## gSPrd.fctr:.clusterid.fctr2 0.000000
## gSPrd.fctrOthermortgage:.clusterid.fctr2 0.000000
## gSPrd.fctrCreditcard:.clusterid.fctr2 0.000000
## gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr2 0.000000
## gSPrd.fctrOtherbankproduct/service:.clusterid.fctr2 0.000000
## gSPrd.fctrNon-federalstudentloan:.clusterid.fctr2 0.000000
## gSPrd.fctrFHAmortgage:.clusterid.fctr2 0.000000
## gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr2 0.000000
## gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr2 0.000000
## gSPrd.fctrVehiclelease:.clusterid.fctr2 0.000000
## gSPrd.fctrSavingsaccount:.clusterid.fctr2 0.000000
## gSPrd.fctrFederalstudentloan:.clusterid.fctr2 0.000000
## gSPrd.fctrMortgage:.clusterid.fctr2 0.000000
## gSPrd.fctrReversemortgage:.clusterid.fctr2 0.000000
## gSPrd.fctrAuto:.clusterid.fctr2 0.000000
## gSPrd.fctrInstallmentloan:.clusterid.fctr2 0.000000
## gSPrd.fctrMedical:.clusterid.fctr2 0.000000
## gSPrd.fctrVAmortgage:.clusterid.fctr2 0.000000
## gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr2 0.000000
## gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr2 0.000000
## gSPrd.fctrPersonallineofcredit:.clusterid.fctr2 0.000000
## gSPrd.fctrSecondmortgage:.clusterid.fctr2 0.000000
## gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr2 0.000000
## gSPrd.fctrPaydayloan:.clusterid.fctr2 0.000000
## gSPrd.fctrCheckcashing:.clusterid.fctr2 0.000000
## gSPrd.fctrMobilewallet:.clusterid.fctr2 0.000000
## gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr2 0.000000
## gSPrd.fctrGiftormerchantcard:.clusterid.fctr2 0.000000
## gSPrd.fctrGeneralpurposecard:.clusterid.fctr2 0.000000
## gSPrd.fctrTitleloan:.clusterid.fctr2 0.000000
## gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr2 0.000000
## gSPrd.fctrRefundanticipationcheck:.clusterid.fctr2 0.000000
## gSPrd.fctrDebtsettlement:.clusterid.fctr2 0.000000
## gSPrd.fctrPayrollcard:.clusterid.fctr2 0.000000
## gSPrd.fctrIDprepaidcard:.clusterid.fctr2 0.000000
## gSPrd.fctrCreditrepair:.clusterid.fctr2 0.000000
## gSPrd.fctrPawnloan:.clusterid.fctr2 0.000000
## gSPrd.fctrMoneyorder:.clusterid.fctr2 0.000000
## gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks:.clusterid.fctr2 0.000000
## gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr2 0.000000
## gSPrd.fctrOther:.clusterid.fctr3 0.000000
## gSPrd.fctrVehicleloan:.clusterid.fctr3 0.000000
## gSPrd.fctrCheckingaccount:.clusterid.fctr3 0.000000
## gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr3 0.000000
## gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr3 0.000000
## gSPrd.fctrIdonotknow:.clusterid.fctr3 0.000000
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## gSPrd.fctrOthermortgage:.clusterid.fctr3 0.000000
## gSPrd.fctrCreditcard:.clusterid.fctr3 0.000000
## gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr3 0.000000
## gSPrd.fctrOtherbankproduct/service:.clusterid.fctr3 0.000000
## gSPrd.fctrNon-federalstudentloan:.clusterid.fctr3 0.000000
## gSPrd.fctrFHAmortgage:.clusterid.fctr3 0.000000
## gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr3 0.000000
## gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr3 0.000000
## gSPrd.fctrVehiclelease:.clusterid.fctr3 0.000000
## gSPrd.fctrSavingsaccount:.clusterid.fctr3 0.000000
## gSPrd.fctrFederalstudentloan:.clusterid.fctr3 0.000000
## gSPrd.fctrMortgage:.clusterid.fctr3 0.000000
## gSPrd.fctrReversemortgage:.clusterid.fctr3 0.000000
## gSPrd.fctrAuto:.clusterid.fctr3 0.000000
## gSPrd.fctrInstallmentloan:.clusterid.fctr3 0.000000
## gSPrd.fctrMedical:.clusterid.fctr3 0.000000
## gSPrd.fctrVAmortgage:.clusterid.fctr3 0.000000
## gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr3 0.000000
## gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr3 0.000000
## gSPrd.fctrPersonallineofcredit:.clusterid.fctr3 0.000000
## gSPrd.fctrSecondmortgage:.clusterid.fctr3 0.000000
## gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr3 0.000000
## gSPrd.fctrPaydayloan:.clusterid.fctr3 0.000000
## gSPrd.fctrCheckcashing:.clusterid.fctr3 0.000000
## gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr3 0.000000
## gSPrd.fctrGiftormerchantcard:.clusterid.fctr3 0.000000
## gSPrd.fctrTitleloan:.clusterid.fctr3 0.000000
## gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr3 0.000000
## gSPrd.fctrRefundanticipationcheck:.clusterid.fctr3 0.000000
## gSPrd.fctrDebtsettlement:.clusterid.fctr3 0.000000
## gSPrd.fctrPayrollcard:.clusterid.fctr3 0.000000
## gSPrd.fctrIDprepaidcard:.clusterid.fctr3 0.000000
## gSPrd.fctrCreditrepair:.clusterid.fctr3 0.000000
## gSPrd.fctrPawnloan:.clusterid.fctr3 0.000000
## gSPrd.fctrMoneyorder:.clusterid.fctr3 0.000000
## gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks:.clusterid.fctr3 0.000000
## gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr3 0.000000
## gSPrd.fctrOther:.clusterid.fctr4 0.000000
## gSPrd.fctrVehicleloan:.clusterid.fctr4 0.000000
## gSPrd.fctrCheckingaccount:.clusterid.fctr4 0.000000
## gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr4 0.000000
## gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr4 0.000000
## gSPrd.fctrIdonotknow:.clusterid.fctr4 0.000000
## gSPrd.fctr:.clusterid.fctr4 0.000000
## gSPrd.fctrOthermortgage:.clusterid.fctr4 0.000000
## gSPrd.fctrCreditcard:.clusterid.fctr4 0.000000
## gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr4 0.000000
## gSPrd.fctrOtherbankproduct/service:.clusterid.fctr4 0.000000
## gSPrd.fctrNon-federalstudentloan:.clusterid.fctr4 0.000000
## gSPrd.fctrFHAmortgage:.clusterid.fctr4 0.000000
## gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr4 0.000000
## gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr4 0.000000
## gSPrd.fctrVehiclelease:.clusterid.fctr4 0.000000
## gSPrd.fctrSavingsaccount:.clusterid.fctr4 0.000000
## gSPrd.fctrFederalstudentloan:.clusterid.fctr4 0.000000
## gSPrd.fctrMortgage:.clusterid.fctr4 0.000000
## gSPrd.fctrReversemortgage:.clusterid.fctr4 0.000000
## gSPrd.fctrAuto:.clusterid.fctr4 0.000000
## gSPrd.fctrInstallmentloan:.clusterid.fctr4 0.000000
## gSPrd.fctrMedical:.clusterid.fctr4 0.000000
## gSPrd.fctrVAmortgage:.clusterid.fctr4 0.000000
## gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr4 0.000000
## gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr4 0.000000
## gSPrd.fctrPersonallineofcredit:.clusterid.fctr4 0.000000
## gSPrd.fctrSecondmortgage:.clusterid.fctr4 0.000000
## gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr4 0.000000
## gSPrd.fctrPaydayloan:.clusterid.fctr4 0.000000
## gSPrd.fctrCheckcashing:.clusterid.fctr4 0.000000
## gSPrd.fctrMobilewallet:.clusterid.fctr4 0.000000
## gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr4 0.000000
## gSPrd.fctrGiftormerchantcard:.clusterid.fctr4 0.000000
## gSPrd.fctrGeneralpurposecard:.clusterid.fctr4 0.000000
## gSPrd.fctrTitleloan:.clusterid.fctr4 0.000000
## gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr4 0.000000
## gSPrd.fctrRefundanticipationcheck:.clusterid.fctr4 0.000000
## gSPrd.fctrDebtsettlement:.clusterid.fctr4 0.000000
## gSPrd.fctrPayrollcard:.clusterid.fctr4 0.000000
## gSPrd.fctrIDprepaidcard:.clusterid.fctr4 0.000000
## gSPrd.fctrCreditrepair:.clusterid.fctr4 0.000000
## gSPrd.fctrPawnloan:.clusterid.fctr4 0.000000
## gSPrd.fctrMoneyorder:.clusterid.fctr4 0.000000
## gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks:.clusterid.fctr4 0.000000
## gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr4 0.000000
## imp
## Datereceived.juliandate 100.000000
## Datereceived.last32.log1p 89.499546
## .rnorm 85.888443
## Response.fctrClosedwithmonetaryrelief 64.739648
## gCompany.fctrAmex 64.265558
## Datereceived.last16.log1p 39.759143
## Datereceived.last2.log1p 36.863393
## Datereceived.last4.log1p 36.008294
## Sent.Recd.Dys 26.340257
## Datereceived.month.fctr07 26.272074
## Datereceived.year.fctr2016 22.059658
## Datereceived.last8.log1p 19.531202
## Sent.Recd.Dys.nexp 17.994161
## Datereceived.wkend 17.612585
## Channel.fctrPhone 17.017423
## Response.fctrClosedwithnon-monetaryrelief 14.692593
## gTags.fctrServicemember 13.615337
## gCompany.fctrCitibank 12.575585
## gCompany.fctrNetSpendCorporation,aTSYSCompany 12.027730
## Rgn.Dvn.fctrWT#Pacific 11.900394
## Datereceived.month.fctr06 11.085285
## Datereceived.month.fctr09 10.961811
## gSPrd.fctrMobilewallet 10.573221
## Channel.fctrReferral 10.235198
## Datereceived.month.fctr05 10.084853
## Rgn.Dvn.fctrMW#EastNorthCentral 9.479323
## gSPrd.fctrPayrollcard 8.416444
## gSPrd.fctrOther:.clusterid.fctr2 6.442215
## gSPrd.fctrMobilewallet:.clusterid.fctr3 5.306182
## gSPrd.fctrGeneralpurposecard:.clusterid.fctr3 5.275194
## gSPrd.fctrGeneralpurposecard 4.571458
## gCConsent.fctrConsentprovided 4.492026
## Datereceived.month.fctr08 4.283281
## gCompany.fctrOther 3.790506
## Datereceived.year.fctr2015 3.703128
## Rgn.Dvn.fctrMW#WestNorthCentral#MidAtlantic 3.427979
## gCConsent.fctrOther 3.215218
## gSPrd.fctrGiftormerchantcard 2.896061
## gCompany.fctrComerica 2.561068
## Datereceived.wkday.fctr4 2.468843
## gSPrd.fctrIDprepaidcard 1.609088
## Datereceived.month.fctr03 1.577557
## .clusterid 0.000000
## Channel.fctrFax 0.000000
## Channel.fctrPostalmail 0.000000
## Datereceived.date.fctr(7,13] 0.000000
## Datereceived.date.fctr(13,19] 0.000000
## Datereceived.date.fctr(19,25] 0.000000
## Datereceived.date.fctr(25,31] 0.000000
## Datereceived.month.fctr02 0.000000
## Datereceived.month.fctr04 0.000000
## Datereceived.month.fctr10 0.000000
## Datereceived.month.fctr11 0.000000
## Datereceived.month.fctr12 0.000000
## Datereceived.wkday.fctr1 0.000000
## Datereceived.wkday.fctr2 0.000000
## Datereceived.wkday.fctr3 0.000000
## Datereceived.wkday.fctr5 0.000000
## Datereceived.wkday.fctr6 0.000000
## Datesenttocompany.date.fctr(7,13] 0.000000
## Datesenttocompany.date.fctr(13,19] 0.000000
## Datesenttocompany.date.fctr(19,25] 0.000000
## Datesenttocompany.date.fctr(25,31] 0.000000
## Datesenttocompany.juliandate 0.000000
## Datesenttocompany.last16.log1p 0.000000
## Datesenttocompany.last2.log1p 0.000000
## Datesenttocompany.last32.log1p 0.000000
## Datesenttocompany.last4.log1p 0.000000
## Datesenttocompany.last8.log1p 0.000000
## Datesenttocompany.month.fctr02 0.000000
## Datesenttocompany.month.fctr03 0.000000
## Datesenttocompany.month.fctr04 0.000000
## Datesenttocompany.month.fctr05 0.000000
## Datesenttocompany.month.fctr06 0.000000
## Datesenttocompany.month.fctr07 0.000000
## Datesenttocompany.month.fctr08 0.000000
## Datesenttocompany.month.fctr09 0.000000
## Datesenttocompany.month.fctr10 0.000000
## Datesenttocompany.month.fctr11 0.000000
## Datesenttocompany.month.fctr12 0.000000
## Datesenttocompany.wkday.fctr1 0.000000
## Datesenttocompany.wkday.fctr2 0.000000
## Datesenttocompany.wkday.fctr3 0.000000
## Datesenttocompany.wkday.fctr4 0.000000
## Datesenttocompany.wkday.fctr5 0.000000
## Datesenttocompany.wkday.fctr6 0.000000
## Datesenttocompany.wkend 0.000000
## Datesenttocompany.year.fctr2015 0.000000
## Datesenttocompany.year.fctr2016 0.000000
## Response.fctrClosed 0.000000
## Response.fctrInprogress 0.000000
## Response.fctrUntimelyresponse 0.000000
## Rgn.Dvn.fctrMW#WestNorthCentral 0.000000
## Rgn.Dvn.fctrMW#WestNorthCentral#NewEngland 0.000000
## Rgn.Dvn.fctrOT#Other 0.000000
## Rgn.Dvn.fctrSH#EastSouthCentral 0.000000
## Rgn.Dvn.fctrSH#WestSouthCentral 0.000000
## Rgn.Dvn.fctrWT#Mountain 0.000000
## Sent.Recd.Dys.log1p 0.000000
## Sent.Recd.Dys.root2 0.000000
## gCConsent.fctrConsentnotprovided 0.000000
## gCompany.fctrBlackhawkNetworkHoldingsInc. 0.000000
## gCompany.fctrPayPalHoldings,Inc. 0.000000
## gCompany.fctrU.S.Bancorp 0.000000
## gSPrd.fctrVehicleloan 0.000000
## gSPrd.fctrCheckingaccount 0.000000
## gSPrd.fctrConventionalfixedmortgage 0.000000
## gSPrd.fctrOther(i.e.phone,healthclub,etc.) 0.000000
## gSPrd.fctrIdonotknow 0.000000
## gSPrd.fctr 0.000000
## gSPrd.fctrOthermortgage 0.000000
## gSPrd.fctrCreditcard 0.000000
## gSPrd.fctrConventionaladjustablemortgage(ARM) 0.000000
## gSPrd.fctrOtherbankproduct/service 0.000000
## gSPrd.fctrNon-federalstudentloan 0.000000
## gSPrd.fctrFHAmortgage 0.000000
## gSPrd.fctr(CD)Certificateofdeposit 0.000000
## gSPrd.fctrHomeequityloanorlineofcredit 0.000000
## gSPrd.fctrVehiclelease 0.000000
## gSPrd.fctrSavingsaccount 0.000000
## gSPrd.fctrFederalstudentloan 0.000000
## gSPrd.fctrMortgage 0.000000
## gSPrd.fctrReversemortgage 0.000000
## gSPrd.fctrAuto 0.000000
## gSPrd.fctrInstallmentloan 0.000000
## gSPrd.fctrMedical 0.000000
## gSPrd.fctrVAmortgage 0.000000
## gSPrd.fctrDomestic(US)moneytransfer 0.000000
## gSPrd.fctrInternationalmoneytransfer 0.000000
## gSPrd.fctrPersonallineofcredit 0.000000
## gSPrd.fctrSecondmortgage 0.000000
## gSPrd.fctrCashingacheckwithoutanaccount 0.000000
## gSPrd.fctrPaydayloan 0.000000
## gSPrd.fctrCheckcashing 0.000000
## gSPrd.fctrGovernmentbenefitpaymentcard 0.000000
## gSPrd.fctrTitleloan 0.000000
## gSPrd.fctrForeigncurrencyexchange 0.000000
## gSPrd.fctrRefundanticipationcheck 0.000000
## gSPrd.fctrDebtsettlement 0.000000
## gSPrd.fctrCreditrepair 0.000000
## gSPrd.fctrPawnloan 0.000000
## gSPrd.fctrMoneyorder 0.000000
## gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks 0.000000
## gSPrd.fctrFederalstudentloanservicing 0.000000
## gTags.fctrOlderAmerican 0.000000
## gTags.fctrOlderAmericanServicemember 0.000000
## gSPrd.fctrVehicleloan:.clusterid.fctr2 0.000000
## gSPrd.fctrCheckingaccount:.clusterid.fctr2 0.000000
## gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr2 0.000000
## gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr2 0.000000
## gSPrd.fctrIdonotknow:.clusterid.fctr2 0.000000
## gSPrd.fctr:.clusterid.fctr2 0.000000
## gSPrd.fctrOthermortgage:.clusterid.fctr2 0.000000
## gSPrd.fctrCreditcard:.clusterid.fctr2 0.000000
## gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr2 0.000000
## gSPrd.fctrOtherbankproduct/service:.clusterid.fctr2 0.000000
## gSPrd.fctrNon-federalstudentloan:.clusterid.fctr2 0.000000
## gSPrd.fctrFHAmortgage:.clusterid.fctr2 0.000000
## gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr2 0.000000
## gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr2 0.000000
## gSPrd.fctrVehiclelease:.clusterid.fctr2 0.000000
## gSPrd.fctrSavingsaccount:.clusterid.fctr2 0.000000
## gSPrd.fctrFederalstudentloan:.clusterid.fctr2 0.000000
## gSPrd.fctrMortgage:.clusterid.fctr2 0.000000
## gSPrd.fctrReversemortgage:.clusterid.fctr2 0.000000
## gSPrd.fctrAuto:.clusterid.fctr2 0.000000
## gSPrd.fctrInstallmentloan:.clusterid.fctr2 0.000000
## gSPrd.fctrMedical:.clusterid.fctr2 0.000000
## gSPrd.fctrVAmortgage:.clusterid.fctr2 0.000000
## gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr2 0.000000
## gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr2 0.000000
## gSPrd.fctrPersonallineofcredit:.clusterid.fctr2 0.000000
## gSPrd.fctrSecondmortgage:.clusterid.fctr2 0.000000
## gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr2 0.000000
## gSPrd.fctrPaydayloan:.clusterid.fctr2 0.000000
## gSPrd.fctrCheckcashing:.clusterid.fctr2 0.000000
## gSPrd.fctrMobilewallet:.clusterid.fctr2 0.000000
## gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr2 0.000000
## gSPrd.fctrGiftormerchantcard:.clusterid.fctr2 0.000000
## gSPrd.fctrGeneralpurposecard:.clusterid.fctr2 0.000000
## gSPrd.fctrTitleloan:.clusterid.fctr2 0.000000
## gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr2 0.000000
## gSPrd.fctrRefundanticipationcheck:.clusterid.fctr2 0.000000
## gSPrd.fctrDebtsettlement:.clusterid.fctr2 0.000000
## gSPrd.fctrPayrollcard:.clusterid.fctr2 0.000000
## gSPrd.fctrIDprepaidcard:.clusterid.fctr2 0.000000
## gSPrd.fctrCreditrepair:.clusterid.fctr2 0.000000
## gSPrd.fctrPawnloan:.clusterid.fctr2 0.000000
## gSPrd.fctrMoneyorder:.clusterid.fctr2 0.000000
## gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks:.clusterid.fctr2 0.000000
## gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr2 0.000000
## gSPrd.fctrOther:.clusterid.fctr3 0.000000
## gSPrd.fctrVehicleloan:.clusterid.fctr3 0.000000
## gSPrd.fctrCheckingaccount:.clusterid.fctr3 0.000000
## gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr3 0.000000
## gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr3 0.000000
## gSPrd.fctrIdonotknow:.clusterid.fctr3 0.000000
## gSPrd.fctr:.clusterid.fctr3 0.000000
## gSPrd.fctrOthermortgage:.clusterid.fctr3 0.000000
## gSPrd.fctrCreditcard:.clusterid.fctr3 0.000000
## gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr3 0.000000
## gSPrd.fctrOtherbankproduct/service:.clusterid.fctr3 0.000000
## gSPrd.fctrNon-federalstudentloan:.clusterid.fctr3 0.000000
## gSPrd.fctrFHAmortgage:.clusterid.fctr3 0.000000
## gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr3 0.000000
## gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr3 0.000000
## gSPrd.fctrVehiclelease:.clusterid.fctr3 0.000000
## gSPrd.fctrSavingsaccount:.clusterid.fctr3 0.000000
## gSPrd.fctrFederalstudentloan:.clusterid.fctr3 0.000000
## gSPrd.fctrMortgage:.clusterid.fctr3 0.000000
## gSPrd.fctrReversemortgage:.clusterid.fctr3 0.000000
## gSPrd.fctrAuto:.clusterid.fctr3 0.000000
## gSPrd.fctrInstallmentloan:.clusterid.fctr3 0.000000
## gSPrd.fctrMedical:.clusterid.fctr3 0.000000
## gSPrd.fctrVAmortgage:.clusterid.fctr3 0.000000
## gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr3 0.000000
## gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr3 0.000000
## gSPrd.fctrPersonallineofcredit:.clusterid.fctr3 0.000000
## gSPrd.fctrSecondmortgage:.clusterid.fctr3 0.000000
## gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr3 0.000000
## gSPrd.fctrPaydayloan:.clusterid.fctr3 0.000000
## gSPrd.fctrCheckcashing:.clusterid.fctr3 0.000000
## gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr3 0.000000
## gSPrd.fctrGiftormerchantcard:.clusterid.fctr3 0.000000
## gSPrd.fctrTitleloan:.clusterid.fctr3 0.000000
## gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr3 0.000000
## gSPrd.fctrRefundanticipationcheck:.clusterid.fctr3 0.000000
## gSPrd.fctrDebtsettlement:.clusterid.fctr3 0.000000
## gSPrd.fctrPayrollcard:.clusterid.fctr3 0.000000
## gSPrd.fctrIDprepaidcard:.clusterid.fctr3 0.000000
## gSPrd.fctrCreditrepair:.clusterid.fctr3 0.000000
## gSPrd.fctrPawnloan:.clusterid.fctr3 0.000000
## gSPrd.fctrMoneyorder:.clusterid.fctr3 0.000000
## gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks:.clusterid.fctr3 0.000000
## gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr3 0.000000
## gSPrd.fctrOther:.clusterid.fctr4 0.000000
## gSPrd.fctrVehicleloan:.clusterid.fctr4 0.000000
## gSPrd.fctrCheckingaccount:.clusterid.fctr4 0.000000
## gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr4 0.000000
## gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr4 0.000000
## gSPrd.fctrIdonotknow:.clusterid.fctr4 0.000000
## gSPrd.fctr:.clusterid.fctr4 0.000000
## gSPrd.fctrOthermortgage:.clusterid.fctr4 0.000000
## gSPrd.fctrCreditcard:.clusterid.fctr4 0.000000
## gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr4 0.000000
## gSPrd.fctrOtherbankproduct/service:.clusterid.fctr4 0.000000
## gSPrd.fctrNon-federalstudentloan:.clusterid.fctr4 0.000000
## gSPrd.fctrFHAmortgage:.clusterid.fctr4 0.000000
## gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr4 0.000000
## gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr4 0.000000
## gSPrd.fctrVehiclelease:.clusterid.fctr4 0.000000
## gSPrd.fctrSavingsaccount:.clusterid.fctr4 0.000000
## gSPrd.fctrFederalstudentloan:.clusterid.fctr4 0.000000
## gSPrd.fctrMortgage:.clusterid.fctr4 0.000000
## gSPrd.fctrReversemortgage:.clusterid.fctr4 0.000000
## gSPrd.fctrAuto:.clusterid.fctr4 0.000000
## gSPrd.fctrInstallmentloan:.clusterid.fctr4 0.000000
## gSPrd.fctrMedical:.clusterid.fctr4 0.000000
## gSPrd.fctrVAmortgage:.clusterid.fctr4 0.000000
## gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr4 0.000000
## gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr4 0.000000
## gSPrd.fctrPersonallineofcredit:.clusterid.fctr4 0.000000
## gSPrd.fctrSecondmortgage:.clusterid.fctr4 0.000000
## gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr4 0.000000
## gSPrd.fctrPaydayloan:.clusterid.fctr4 0.000000
## gSPrd.fctrCheckcashing:.clusterid.fctr4 0.000000
## gSPrd.fctrMobilewallet:.clusterid.fctr4 0.000000
## gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr4 0.000000
## gSPrd.fctrGiftormerchantcard:.clusterid.fctr4 0.000000
## gSPrd.fctrGeneralpurposecard:.clusterid.fctr4 0.000000
## gSPrd.fctrTitleloan:.clusterid.fctr4 0.000000
## gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr4 0.000000
## gSPrd.fctrRefundanticipationcheck:.clusterid.fctr4 0.000000
## gSPrd.fctrDebtsettlement:.clusterid.fctr4 0.000000
## gSPrd.fctrPayrollcard:.clusterid.fctr4 0.000000
## gSPrd.fctrIDprepaidcard:.clusterid.fctr4 0.000000
## gSPrd.fctrCreditrepair:.clusterid.fctr4 0.000000
## gSPrd.fctrPawnloan:.clusterid.fctr4 0.000000
## gSPrd.fctrMoneyorder:.clusterid.fctr4 0.000000
## gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks:.clusterid.fctr4 0.000000
## gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr4 0.000000## Warning in glb_analytics_diag_plots(obs_df = glbObsOOB, mdl_id =
## glbMdlSltId, : Limiting important feature scatter plots to 5 out of 36
## Loading required package: lazyeval## [1] "Min/Max Boundaries: "
## ComplaintID CDisputed.fctr CDisputed.fctr.All.X..rcv.gbm.prob
## 1 1622364 Y 0.05808589
## 2 1617631 Y 0.15274511
## 3 1079866 N 0.20015434
## 4 1621350 N 0.07715920
## 5 1724341 N 0.21867785
## 6 1721395 N 0.31619734
## 7 1724708 N 0.32663178
## 8 1086443 N 0.38787073
## 9 1176479 N 0.40665661
## CDisputed.fctr.All.X..rcv.gbm CDisputed.fctr.All.X..rcv.gbm.err
## 1 N TRUE
## 2 N TRUE
## 3 N FALSE
## 4 N FALSE
## 5 N FALSE
## 6 Y TRUE
## 7 Y TRUE
## 8 Y TRUE
## 9 Y TRUE
## CDisputed.fctr.All.X..rcv.gbm.err.abs
## 1 0.9419141
## 2 0.8472549
## 3 0.2001543
## 4 0.0771592
## 5 0.2186778
## 6 0.3161973
## 7 0.3266318
## 8 0.3878707
## 9 0.4066566
## CDisputed.fctr.All.X..rcv.gbm.is.acc
## 1 FALSE
## 2 FALSE
## 3 TRUE
## 4 TRUE
## 5 TRUE
## 6 FALSE
## 7 FALSE
## 8 FALSE
## 9 FALSE
## CDisputed.fctr.All.X..rcv.gbm.accurate
## 1 FALSE
## 2 FALSE
## 3 TRUE
## 4 TRUE
## 5 TRUE
## 6 FALSE
## 7 FALSE
## 8 FALSE
## 9 FALSE
## CDisputed.fctr.All.X..rcv.gbm.error .label
## 1 -0.24191411 1622364
## 2 -0.14725489 1617631
## 3 0.00000000 1079866
## 4 0.00000000 1621350
## 5 0.00000000 1724341
## 6 0.01619734 1721395
## 7 0.02663178 1724708
## 8 0.08787073 1086443
## 9 0.10665661 1176479
## [1] "Inaccurate: "
## ComplaintID CDisputed.fctr CDisputed.fctr.All.X..rcv.gbm.prob
## 1 1622364 Y 0.05808589
## 2 1623265 Y 0.07103979
## 3 1630068 Y 0.07210774
## 4 1749156 Y 0.07226844
## 5 1245156 Y 0.09574982
## 6 1634714 Y 0.09603767
## CDisputed.fctr.All.X..rcv.gbm CDisputed.fctr.All.X..rcv.gbm.err
## 1 N TRUE
## 2 N TRUE
## 3 N TRUE
## 4 N TRUE
## 5 N TRUE
## 6 N TRUE
## CDisputed.fctr.All.X..rcv.gbm.err.abs
## 1 0.9419141
## 2 0.9289602
## 3 0.9278923
## 4 0.9277316
## 5 0.9042502
## 6 0.9039623
## CDisputed.fctr.All.X..rcv.gbm.is.acc
## 1 FALSE
## 2 FALSE
## 3 FALSE
## 4 FALSE
## 5 FALSE
## 6 FALSE
## CDisputed.fctr.All.X..rcv.gbm.accurate
## 1 FALSE
## 2 FALSE
## 3 FALSE
## 4 FALSE
## 5 FALSE
## 6 FALSE
## CDisputed.fctr.All.X..rcv.gbm.error
## 1 -0.2419141
## 2 -0.2289602
## 3 -0.2278923
## 4 -0.2277316
## 5 -0.2042502
## 6 -0.2039623
## ComplaintID CDisputed.fctr CDisputed.fctr.All.X..rcv.gbm.prob
## 60 1337121 N 0.3114441
## 97 1554414 N 0.3262606
## 214 1546109 N 0.3769906
## 233 1730648 N 0.3894749
## 245 1354254 N 0.3931339
## 374 1753498 N 0.5134874
## CDisputed.fctr.All.X..rcv.gbm CDisputed.fctr.All.X..rcv.gbm.err
## 60 Y TRUE
## 97 Y TRUE
## 214 Y TRUE
## 233 Y TRUE
## 245 Y TRUE
## 374 Y TRUE
## CDisputed.fctr.All.X..rcv.gbm.err.abs
## 60 0.3114441
## 97 0.3262606
## 214 0.3769906
## 233 0.3894749
## 245 0.3931339
## 374 0.5134874
## CDisputed.fctr.All.X..rcv.gbm.is.acc
## 60 FALSE
## 97 FALSE
## 214 FALSE
## 233 FALSE
## 245 FALSE
## 374 FALSE
## CDisputed.fctr.All.X..rcv.gbm.accurate
## 60 FALSE
## 97 FALSE
## 214 FALSE
## 233 FALSE
## 245 FALSE
## 374 FALSE
## CDisputed.fctr.All.X..rcv.gbm.error
## 60 0.01144414
## 97 0.02626058
## 214 0.07699057
## 233 0.08947486
## 245 0.09313385
## 374 0.21348739
## ComplaintID CDisputed.fctr CDisputed.fctr.All.X..rcv.gbm.prob
## 437 2024896 N 0.7483477
## 438 1999938 N 0.7730994
## 439 2022079 N 0.7864783
## 440 2015242 N 0.7872117
## 441 2039882 N 0.8007953
## 442 2007045 N 0.8748960
## CDisputed.fctr.All.X..rcv.gbm CDisputed.fctr.All.X..rcv.gbm.err
## 437 Y TRUE
## 438 Y TRUE
## 439 Y TRUE
## 440 Y TRUE
## 441 Y TRUE
## 442 Y TRUE
## CDisputed.fctr.All.X..rcv.gbm.err.abs
## 437 0.7483477
## 438 0.7730994
## 439 0.7864783
## 440 0.7872117
## 441 0.8007953
## 442 0.8748960
## CDisputed.fctr.All.X..rcv.gbm.is.acc
## 437 FALSE
## 438 FALSE
## 439 FALSE
## 440 FALSE
## 441 FALSE
## 442 FALSE
## CDisputed.fctr.All.X..rcv.gbm.accurate
## 437 FALSE
## 438 FALSE
## 439 FALSE
## 440 FALSE
## 441 FALSE
## 442 FALSE
## CDisputed.fctr.All.X..rcv.gbm.error
## 437 0.4483477
## 438 0.4730994
## 439 0.4864783
## 440 0.4872117
## 441 0.5007953
## 442 0.5748960## Scale for 'colour' is already present. Adding another scale for
## 'colour', which will replace the existing scale.
## [1] "Min/Max Boundaries: "
## ComplaintID CDisputed.fctr CDisputed.fctr.All.X..rcv.gbm.prob
## 1 1622364 Y 0.05808589
## 2 1617631 Y 0.15274511
## 3 1079866 N 0.20015434
## 4 1621350 N 0.07715920
## 5 1622027 N 0.07092793
## 6 1977795 N 0.18780208
## 7 1086443 N 0.38787073
## CDisputed.fctr.All.X..rcv.gbm CDisputed.fctr.All.X..rcv.gbm.err
## 1 N TRUE
## 2 N TRUE
## 3 N FALSE
## 4 N FALSE
## 5 N FALSE
## 6 N FALSE
## 7 Y TRUE
## CDisputed.fctr.All.X..rcv.gbm.err.abs
## 1 0.94191411
## 2 0.84725489
## 3 0.20015434
## 4 0.07715920
## 5 0.07092793
## 6 0.18780208
## 7 0.38787073
## CDisputed.fctr.All.X..rcv.gbm.is.acc
## 1 FALSE
## 2 FALSE
## 3 TRUE
## 4 TRUE
## 5 TRUE
## 6 TRUE
## 7 FALSE
## CDisputed.fctr.All.X..rcv.gbm.accurate
## 1 FALSE
## 2 FALSE
## 3 TRUE
## 4 TRUE
## 5 TRUE
## 6 TRUE
## 7 FALSE
## CDisputed.fctr.All.X..rcv.gbm.error .label
## 1 -0.24191411 1622364
## 2 -0.14725489 1617631
## 3 0.00000000 1079866
## 4 0.00000000 1621350
## 5 0.00000000 1622027
## 6 0.00000000 1977795
## 7 0.08787073 1086443
## [1] "Inaccurate: "
## ComplaintID CDisputed.fctr CDisputed.fctr.All.X..rcv.gbm.prob
## 1 1622364 Y 0.05808589
## 2 1623265 Y 0.07103979
## 3 1630068 Y 0.07210774
## 4 1749156 Y 0.07226844
## 5 1245156 Y 0.09574982
## 6 1634714 Y 0.09603767
## CDisputed.fctr.All.X..rcv.gbm CDisputed.fctr.All.X..rcv.gbm.err
## 1 N TRUE
## 2 N TRUE
## 3 N TRUE
## 4 N TRUE
## 5 N TRUE
## 6 N TRUE
## CDisputed.fctr.All.X..rcv.gbm.err.abs
## 1 0.9419141
## 2 0.9289602
## 3 0.9278923
## 4 0.9277316
## 5 0.9042502
## 6 0.9039623
## CDisputed.fctr.All.X..rcv.gbm.is.acc
## 1 FALSE
## 2 FALSE
## 3 FALSE
## 4 FALSE
## 5 FALSE
## 6 FALSE
## CDisputed.fctr.All.X..rcv.gbm.accurate
## 1 FALSE
## 2 FALSE
## 3 FALSE
## 4 FALSE
## 5 FALSE
## 6 FALSE
## CDisputed.fctr.All.X..rcv.gbm.error
## 1 -0.2419141
## 2 -0.2289602
## 3 -0.2278923
## 4 -0.2277316
## 5 -0.2042502
## 6 -0.2039623
## ComplaintID CDisputed.fctr CDisputed.fctr.All.X..rcv.gbm.prob
## 32 1245095 Y 0.2786880
## 54 1740058 N 0.3078465
## 83 1134380 N 0.3211873
## 163 1224062 N 0.3527636
## 168 1776305 N 0.3545429
## 332 1489209 N 0.4594825
## CDisputed.fctr.All.X..rcv.gbm CDisputed.fctr.All.X..rcv.gbm.err
## 32 N TRUE
## 54 Y TRUE
## 83 Y TRUE
## 163 Y TRUE
## 168 Y TRUE
## 332 Y TRUE
## CDisputed.fctr.All.X..rcv.gbm.err.abs
## 32 0.7213120
## 54 0.3078465
## 83 0.3211873
## 163 0.3527636
## 168 0.3545429
## 332 0.4594825
## CDisputed.fctr.All.X..rcv.gbm.is.acc
## 32 FALSE
## 54 FALSE
## 83 FALSE
## 163 FALSE
## 168 FALSE
## 332 FALSE
## CDisputed.fctr.All.X..rcv.gbm.accurate
## 32 FALSE
## 54 FALSE
## 83 FALSE
## 163 FALSE
## 168 FALSE
## 332 FALSE
## CDisputed.fctr.All.X..rcv.gbm.error
## 32 -0.02131204
## 54 0.00784653
## 83 0.02118727
## 163 0.05276360
## 168 0.05454289
## 332 0.15948255
## ComplaintID CDisputed.fctr CDisputed.fctr.All.X..rcv.gbm.prob
## 437 2024896 N 0.7483477
## 438 1999938 N 0.7730994
## 439 2022079 N 0.7864783
## 440 2015242 N 0.7872117
## 441 2039882 N 0.8007953
## 442 2007045 N 0.8748960
## CDisputed.fctr.All.X..rcv.gbm CDisputed.fctr.All.X..rcv.gbm.err
## 437 Y TRUE
## 438 Y TRUE
## 439 Y TRUE
## 440 Y TRUE
## 441 Y TRUE
## 442 Y TRUE
## CDisputed.fctr.All.X..rcv.gbm.err.abs
## 437 0.7483477
## 438 0.7730994
## 439 0.7864783
## 440 0.7872117
## 441 0.8007953
## 442 0.8748960
## CDisputed.fctr.All.X..rcv.gbm.is.acc
## 437 FALSE
## 438 FALSE
## 439 FALSE
## 440 FALSE
## 441 FALSE
## 442 FALSE
## CDisputed.fctr.All.X..rcv.gbm.accurate
## 437 FALSE
## 438 FALSE
## 439 FALSE
## 440 FALSE
## 441 FALSE
## 442 FALSE
## CDisputed.fctr.All.X..rcv.gbm.error
## 437 0.4483477
## 438 0.4730994
## 439 0.4864783
## 440 0.4872117
## 441 0.5007953
## 442 0.5748960## Scale for 'colour' is already present. Adding another scale for
## 'colour', which will replace the existing scale.
## gSPrd.fctr .n.OOB .n.Fit
## Giftormerchantcard Giftormerchantcard 160 114
## Mobilewallet Mobilewallet 145 161
## Other Other 89 92
## Governmentbenefitpaymentcard Governmentbenefitpaymentcard 163 98
## Generalpurposecard Generalpurposecard 699 642
## IDprepaidcard IDprepaidcard 94 72
## Payrollcard Payrollcard 176 164
## .n.Tst .freqRatio.Fit .freqRatio.OOB
## Giftormerchantcard 21 0.08488459 0.10484928
## Mobilewallet 18 0.11988086 0.09501966
## Other 9 0.06850335 0.05832241
## Governmentbenefitpaymentcard 22 0.07297096 0.10681520
## Generalpurposecard 69 0.47803425 0.45806029
## IDprepaidcard 8 0.05361132 0.06159895
## Payrollcard 18 0.12211467 0.11533421
## .freqRatio.Tst err.abs.fit.sum
## Giftormerchantcard 0.12727273 42.85137
## Mobilewallet 0.10909091 60.60787
## Other 0.05454545 30.83500
## Governmentbenefitpaymentcard 0.13333333 32.99037
## Generalpurposecard 0.41818182 196.14784
## IDprepaidcard 0.04848485 21.76967
## Payrollcard 0.10909091 31.12132
## err.abs.fit.mean .n.fit err.abs.OOB.sum
## Giftormerchantcard 0.3758892 114 52.41608
## Mobilewallet 0.3764464 161 43.11740
## Other 0.3351631 92 25.78569
## Governmentbenefitpaymentcard 0.3366364 98 43.06197
## Generalpurposecard 0.3055262 642 177.78047
## IDprepaidcard 0.3023565 72 20.63839
## Payrollcard 0.1897641 164 23.78979
## err.abs.OOB.mean
## Giftormerchantcard 0.3276005
## Mobilewallet 0.2973614
## Other 0.2897269
## Governmentbenefitpaymentcard 0.2641838
## Generalpurposecard 0.2543354
## IDprepaidcard 0.2195573
## Payrollcard 0.1351693
## .n.OOB .n.Fit .n.Tst .freqRatio.Fit
## 1526.000000 1343.000000 165.000000 1.000000
## .freqRatio.OOB .freqRatio.Tst err.abs.fit.sum err.abs.fit.mean
## 1.000000 1.000000 416.323436 2.221782
## .n.fit err.abs.OOB.sum err.abs.OOB.mean
## 1343.000000 386.589779 1.787935## label step_major step_minor label_minor bgn end elapsed
## 1 fit.models_2_bgn 1 0 teardown 354.046 NA NA## label step_major step_minor label_minor bgn end elapsed
## 4 fit.models 2 2 2 264.831 354.054 89.224
## 5 fit.models 2 3 3 354.055 NA NA# if (sum(is.na(glbObsAll$D.P.http)) > 0)
# stop("fit.models_3: Why is this happening ?")
#stop(here"); glb2Sav()
sync_glb_obs_df <- function() {
# Merge or cbind ?
for (col in setdiff(names(glbObsFit), names(glbObsTrn)))
glbObsTrn[glbObsTrn$.lcn == "Fit", col] <<- glbObsFit[, col]
for (col in setdiff(names(glbObsFit), names(glbObsAll)))
glbObsAll[glbObsAll$.lcn == "Fit", col] <<- glbObsFit[, col]
if (all(is.na(glbObsNew[, glb_rsp_var])))
for (col in setdiff(names(glbObsOOB), names(glbObsTrn)))
glbObsTrn[glbObsTrn$.lcn == "OOB", col] <<- glbObsOOB[, col]
for (col in setdiff(names(glbObsOOB), names(glbObsAll)))
glbObsAll[glbObsAll$.lcn == "OOB", col] <<- glbObsOOB[, col]
}
sync_glb_obs_df()
print(setdiff(names(glbObsNew), names(glbObsAll)))## character(0)replay.petrisim(pn = glb_analytics_pn,
replay.trans = (glb_analytics_avl_objs <- c(glb_analytics_avl_objs,
"model.selected")), flip_coord = TRUE)## time trans "bgn " "fit.data.training.all " "predict.data.new " "end "
## 0.0000 multiple enabled transitions: data.training.all data.new model.selected firing: model.selected
## 1.0000 3 2 1 0 0
glb_chunks_df <- myadd_chunk(glb_chunks_df, "fit.data.training", major.inc = TRUE)## label step_major step_minor label_minor bgn end
## 5 fit.models 2 3 3 354.055 357.211
## 6 fit.data.training 3 0 0 357.211 NA
## elapsed
## 5 3.156
## 6 NA#myloadChunk(glbChunks$inpFilePathName, keepSpec = c(NULL), dropSpec = c(NULL)); glb2Sav()Step 3.0: fit data training
## Proportion of positives after ubSMOTE : 42.86 % of 3059 observations
## [1] "myfit_mdl: enter: 0.000000 secs"
## [1] "myfit_mdl: fitting model: Trn.All.X###gbm"
## [1] " indepVar: Datereceived.last8.log1p,Datesenttocompany.last8.log1p,Datereceived.last4.log1p,Datesenttocompany.last4.log1p,Datereceived.last2.log1p,Datesenttocompany.last2.log1p,Datereceived.last16.log1p,Datesenttocompany.last16.log1p,Datereceived.last32.log1p,Datesenttocompany.last32.log1p,gCompany.fctr,gTags.fctr,Sent.Recd.Dys.nexp,Rgn.Dvn.fctr,Datereceived.year.fctr,Datesenttocompany.year.fctr,Datereceived.wkday.fctr,Datesenttocompany.wkday.fctr,gCConsent.fctr,.rnorm,Datereceived.wkend,Datesenttocompany.wkend,Channel.fctr,gSPrd.fctr,.clusterid,Datereceived.month.fctr,Datesenttocompany.month.fctr,Datereceived.juliandate,Datesenttocompany.juliandate,Datereceived.date.fctr,Datesenttocompany.date.fctr,Sent.Recd.Dys,Sent.Recd.Dys.root2,Sent.Recd.Dys.log1p,Response.fctr,gSPrd.fctr:.clusterid.fctr"
## [1] "myfit_mdl: setup complete: 0.682000 secs"
## Fitting n.trees = 50, interaction.depth = 4, shrinkage = 0.1, n.minobsinnode = 10 on full training set## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 70: Response.fctrInprogress has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 71: Response.fctrUntimelyresponse has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 96: gSPrd.fctrVehicleloan has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 97: gSPrd.fctrCheckingaccount has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 98: gSPrd.fctrConventionalfixedmortgage has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 99: gSPrd.fctrOther(i.e.phone,healthclub,etc.) has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 100: gSPrd.fctrIdonotknow has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 101: gSPrd.fctr has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 102: gSPrd.fctrOthermortgage has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 103: gSPrd.fctrCreditcard has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1,
## 1, : variable 104: gSPrd.fctrConventionaladjustablemortgage(ARM) has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 105: gSPrd.fctrOtherbankproduct/service has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 106: gSPrd.fctrNon-federalstudentloan has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 107: gSPrd.fctrFHAmortgage has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 108: gSPrd.fctr(CD)Certificateofdeposit has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 109: gSPrd.fctrHomeequityloanorlineofcredit has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 110: gSPrd.fctrVehiclelease has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 111: gSPrd.fctrSavingsaccount has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 112: gSPrd.fctrFederalstudentloan has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 113: gSPrd.fctrMortgage has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 114: gSPrd.fctrReversemortgage has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 115: gSPrd.fctrAuto has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 116: gSPrd.fctrInstallmentloan has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 117: gSPrd.fctrMedical has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 118: gSPrd.fctrVAmortgage has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 119: gSPrd.fctrDomestic(US)moneytransfer has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 120: gSPrd.fctrInternationalmoneytransfer has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 121: gSPrd.fctrPersonallineofcredit has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 122: gSPrd.fctrSecondmortgage has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 123: gSPrd.fctrCashingacheckwithoutanaccount has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 124: gSPrd.fctrPaydayloan has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 125: gSPrd.fctrCheckcashing has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 130: gSPrd.fctrTitleloan has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 131: gSPrd.fctrForeigncurrencyexchange has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 132: gSPrd.fctrRefundanticipationcheck has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 133: gSPrd.fctrDebtsettlement has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 136: gSPrd.fctrCreditrepair has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 137: gSPrd.fctrPawnloan has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 138: gSPrd.fctrMoneyorder has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 139: gSPrd.fctrTraveler<U+2019>s/Cashier<U+2019>schecks has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 140: gSPrd.fctrFederalstudentloanservicing has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 145: gSPrd.fctrVehicleloan:.clusterid.fctr2 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 146: gSPrd.fctrCheckingaccount:.clusterid.fctr2 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 147: gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr2 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 148: gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr2
## has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 149: gSPrd.fctrIdonotknow:.clusterid.fctr2 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 150: gSPrd.fctr:.clusterid.fctr2 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 151: gSPrd.fctrOthermortgage:.clusterid.fctr2 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 152: gSPrd.fctrCreditcard:.clusterid.fctr2 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1,
## 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, : variable 153:
## gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr2 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 154: gSPrd.fctrOtherbankproduct/service:.clusterid.fctr2 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1,
## 1, : variable 155: gSPrd.fctrNon-federalstudentloan:.clusterid.fctr2 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 156: gSPrd.fctrFHAmortgage:.clusterid.fctr2 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 157: gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr2 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 158: gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr2 has
## no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 159: gSPrd.fctrVehiclelease:.clusterid.fctr2 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 160: gSPrd.fctrSavingsaccount:.clusterid.fctr2 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1,
## 1, : variable 161: gSPrd.fctrFederalstudentloan:.clusterid.fctr2 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 162: gSPrd.fctrMortgage:.clusterid.fctr2 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 163: gSPrd.fctrReversemortgage:.clusterid.fctr2 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 164: gSPrd.fctrAuto:.clusterid.fctr2 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 165: gSPrd.fctrInstallmentloan:.clusterid.fctr2 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 166: gSPrd.fctrMedical:.clusterid.fctr2 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 167: gSPrd.fctrVAmortgage:.clusterid.fctr2 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 168: gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr2 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 169: gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr2 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1,
## 1, : variable 170: gSPrd.fctrPersonallineofcredit:.clusterid.fctr2 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 171: gSPrd.fctrSecondmortgage:.clusterid.fctr2 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 172: gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr2 has
## no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 173: gSPrd.fctrPaydayloan:.clusterid.fctr2 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 174: gSPrd.fctrCheckcashing:.clusterid.fctr2 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 179: gSPrd.fctrTitleloan:.clusterid.fctr2 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 180: gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr2 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 181: gSPrd.fctrRefundanticipationcheck:.clusterid.fctr2 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 182: gSPrd.fctrDebtsettlement:.clusterid.fctr2 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 185: gSPrd.fctrCreditrepair:.clusterid.fctr2 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 186: gSPrd.fctrPawnloan:.clusterid.fctr2 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 187: gSPrd.fctrMoneyorder:.clusterid.fctr2 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 188: gSPrd.fctrTraveler<U+2019>s/Cashier<U+2019>schecks:.clusterid.fctr2 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 189: gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr2 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 191: gSPrd.fctrVehicleloan:.clusterid.fctr3 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 192: gSPrd.fctrCheckingaccount:.clusterid.fctr3 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 193: gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr3 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 194: gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr3
## has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 195: gSPrd.fctrIdonotknow:.clusterid.fctr3 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 196: gSPrd.fctr:.clusterid.fctr3 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 197: gSPrd.fctrOthermortgage:.clusterid.fctr3 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 198: gSPrd.fctrCreditcard:.clusterid.fctr3 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1,
## 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, : variable 199:
## gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr3 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 200: gSPrd.fctrOtherbankproduct/service:.clusterid.fctr3 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1,
## 1, : variable 201: gSPrd.fctrNon-federalstudentloan:.clusterid.fctr3 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 202: gSPrd.fctrFHAmortgage:.clusterid.fctr3 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 203: gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr3 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 204: gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr3 has
## no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 205: gSPrd.fctrVehiclelease:.clusterid.fctr3 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 206: gSPrd.fctrSavingsaccount:.clusterid.fctr3 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1,
## 1, : variable 207: gSPrd.fctrFederalstudentloan:.clusterid.fctr3 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 208: gSPrd.fctrMortgage:.clusterid.fctr3 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 209: gSPrd.fctrReversemortgage:.clusterid.fctr3 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 210: gSPrd.fctrAuto:.clusterid.fctr3 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 211: gSPrd.fctrInstallmentloan:.clusterid.fctr3 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 212: gSPrd.fctrMedical:.clusterid.fctr3 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 213: gSPrd.fctrVAmortgage:.clusterid.fctr3 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 214: gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr3 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 215: gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr3 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1,
## 1, : variable 216: gSPrd.fctrPersonallineofcredit:.clusterid.fctr3 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 217: gSPrd.fctrSecondmortgage:.clusterid.fctr3 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 218: gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr3 has
## no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 219: gSPrd.fctrPaydayloan:.clusterid.fctr3 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 220: gSPrd.fctrCheckcashing:.clusterid.fctr3 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 222: gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr3 has
## no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 225: gSPrd.fctrTitleloan:.clusterid.fctr3 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 226: gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr3 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 227: gSPrd.fctrRefundanticipationcheck:.clusterid.fctr3 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 228: gSPrd.fctrDebtsettlement:.clusterid.fctr3 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 229: gSPrd.fctrPayrollcard:.clusterid.fctr3 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 231: gSPrd.fctrCreditrepair:.clusterid.fctr3 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 232: gSPrd.fctrPawnloan:.clusterid.fctr3 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 233: gSPrd.fctrMoneyorder:.clusterid.fctr3 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 234: gSPrd.fctrTraveler<U+2019>s/Cashier<U+2019>schecks:.clusterid.fctr3 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 235: gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr3 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 237: gSPrd.fctrVehicleloan:.clusterid.fctr4 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 238: gSPrd.fctrCheckingaccount:.clusterid.fctr4 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 239: gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr4 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 240: gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr4
## has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 241: gSPrd.fctrIdonotknow:.clusterid.fctr4 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 242: gSPrd.fctr:.clusterid.fctr4 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 243: gSPrd.fctrOthermortgage:.clusterid.fctr4 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 244: gSPrd.fctrCreditcard:.clusterid.fctr4 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1,
## 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, : variable 245:
## gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr4 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 246: gSPrd.fctrOtherbankproduct/service:.clusterid.fctr4 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1,
## 1, : variable 247: gSPrd.fctrNon-federalstudentloan:.clusterid.fctr4 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 248: gSPrd.fctrFHAmortgage:.clusterid.fctr4 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 249: gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr4 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 250: gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr4 has
## no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 251: gSPrd.fctrVehiclelease:.clusterid.fctr4 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 252: gSPrd.fctrSavingsaccount:.clusterid.fctr4 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1,
## 1, : variable 253: gSPrd.fctrFederalstudentloan:.clusterid.fctr4 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 254: gSPrd.fctrMortgage:.clusterid.fctr4 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 255: gSPrd.fctrReversemortgage:.clusterid.fctr4 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 256: gSPrd.fctrAuto:.clusterid.fctr4 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 257: gSPrd.fctrInstallmentloan:.clusterid.fctr4 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 258: gSPrd.fctrMedical:.clusterid.fctr4 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 259: gSPrd.fctrVAmortgage:.clusterid.fctr4 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 260: gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr4 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 261: gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr4 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1,
## 1, : variable 262: gSPrd.fctrPersonallineofcredit:.clusterid.fctr4 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 263: gSPrd.fctrSecondmortgage:.clusterid.fctr4 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 264: gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr4 has
## no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 265: gSPrd.fctrPaydayloan:.clusterid.fctr4 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 266: gSPrd.fctrCheckcashing:.clusterid.fctr4 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 267: gSPrd.fctrMobilewallet:.clusterid.fctr4 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 268: gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr4 has
## no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1,
## 1, : variable 269: gSPrd.fctrGiftormerchantcard:.clusterid.fctr4 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1,
## 1, : variable 270: gSPrd.fctrGeneralpurposecard:.clusterid.fctr4 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 271: gSPrd.fctrTitleloan:.clusterid.fctr4 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 272: gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr4 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 273: gSPrd.fctrRefundanticipationcheck:.clusterid.fctr4 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 274: gSPrd.fctrDebtsettlement:.clusterid.fctr4 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 275: gSPrd.fctrPayrollcard:.clusterid.fctr4 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 276: gSPrd.fctrIDprepaidcard:.clusterid.fctr4 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 277: gSPrd.fctrCreditrepair:.clusterid.fctr4 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 278: gSPrd.fctrPawnloan:.clusterid.fctr4 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 279: gSPrd.fctrMoneyorder:.clusterid.fctr4 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 280: gSPrd.fctrTraveler<U+2019>s/Cashier<U+2019>schecks:.clusterid.fctr4 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 281: gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr4 has no
## variation.## Iter TrainDeviance ValidDeviance StepSize Improve
## 1 1.1343 nan 0.1000 0.0099
## 2 1.1126 nan 0.1000 0.0098
## 3 1.0987 nan 0.1000 0.0047
## 4 1.0891 nan 0.1000 0.0037
## 5 1.0788 nan 0.1000 0.0039
## 6 1.0714 nan 0.1000 0.0007
## 7 1.0601 nan 0.1000 0.0045
## 8 1.0505 nan 0.1000 0.0037
## 9 1.0455 nan 0.1000 -0.0001
## 10 1.0386 nan 0.1000 0.0016
## 20 0.9845 nan 0.1000 0.0007
## 40 0.9293 nan 0.1000 -0.0005
## 50 0.9100 nan 0.1000 -0.0003
##
## [1] "myfit_mdl: train complete: 2.746000 secs"
## n.trees interaction.depth shrinkage n.minobsinnode
## 1 50 4 0.1 10
## var
## Datereceived.juliandate Datereceived.juliandate
## Datereceived.last32.log1p Datereceived.last32.log1p
## Datereceived.last16.log1p Datereceived.last16.log1p
## .rnorm .rnorm
## Response.fctrClosedwithmonetaryrelief Response.fctrClosedwithmonetaryrelief
## gCompany.fctrAmex gCompany.fctrAmex
## Datereceived.last2.log1p Datereceived.last2.log1p
## Datereceived.year.fctr2016 Datereceived.year.fctr2016
## Response.fctrClosedwithnon-monetaryrelief Response.fctrClosedwithnon-monetaryrelief
## Datereceived.month.fctr05 Datereceived.month.fctr05
## gCompany.fctrNetSpendCorporation,aTSYSCompany gCompany.fctrNetSpendCorporation,aTSYSCompany
## Sent.Recd.Dys Sent.Recd.Dys
## Datereceived.last8.log1p Datereceived.last8.log1p
## Rgn.Dvn.fctrWT#Pacific Rgn.Dvn.fctrWT#Pacific
## gTags.fctrServicemember gTags.fctrServicemember
## Datereceived.last4.log1p Datereceived.last4.log1p
## gCompany.fctrBlackhawkNetworkHoldingsInc. gCompany.fctrBlackhawkNetworkHoldingsInc.
## Channel.fctrPhone Channel.fctrPhone
## gCompany.fctrCitibank gCompany.fctrCitibank
## gSPrd.fctrMobilewallet:.clusterid.fctr3 gSPrd.fctrMobilewallet:.clusterid.fctr3
## Datereceived.year.fctr2015 Datereceived.year.fctr2015
## Sent.Recd.Dys.nexp Sent.Recd.Dys.nexp
## gSPrd.fctrGeneralpurposecard:.clusterid.fctr3 gSPrd.fctrGeneralpurposecard:.clusterid.fctr3
## Datereceived.date.fctr(19,25] Datereceived.date.fctr(19,25]
## Datereceived.month.fctr06 Datereceived.month.fctr06
## gSPrd.fctrGiftormerchantcard gSPrd.fctrGiftormerchantcard
## Channel.fctrReferral Channel.fctrReferral
## Datereceived.wkend Datereceived.wkend
## Datereceived.month.fctr07 Datereceived.month.fctr07
## gTags.fctrOlderAmerican gTags.fctrOlderAmerican
## Datereceived.month.fctr03 Datereceived.month.fctr03
## gCConsent.fctrOther gCConsent.fctrOther
## gSPrd.fctrMobilewallet gSPrd.fctrMobilewallet
## Datereceived.month.fctr08 Datereceived.month.fctr08
## gCompany.fctrOther gCompany.fctrOther
## Rgn.Dvn.fctrSH#EastSouthCentral Rgn.Dvn.fctrSH#EastSouthCentral
## Datereceived.month.fctr04 Datereceived.month.fctr04
## Rgn.Dvn.fctrMW#EastNorthCentral Rgn.Dvn.fctrMW#EastNorthCentral
## gSPrd.fctrOther:.clusterid.fctr3 gSPrd.fctrOther:.clusterid.fctr3
## Datereceived.date.fctr(25,31] Datereceived.date.fctr(25,31]
## gCConsent.fctrConsentnotprovided gCConsent.fctrConsentnotprovided
## Datereceived.month.fctr09 Datereceived.month.fctr09
## Datereceived.date.fctr(7,13] Datereceived.date.fctr(7,13]
## .clusterid .clusterid
## gSPrd.fctrGeneralpurposecard gSPrd.fctrGeneralpurposecard
## gSPrd.fctrOther:.clusterid.fctr2 gSPrd.fctrOther:.clusterid.fctr2
## Datereceived.wkday.fctr4 Datereceived.wkday.fctr4
## Datereceived.wkday.fctr1 Datereceived.wkday.fctr1
## Channel.fctrPostalmail Channel.fctrPostalmail
## Channel.fctrFax Channel.fctrFax
## Datereceived.date.fctr(13,19] Datereceived.date.fctr(13,19]
## Datereceived.month.fctr02 Datereceived.month.fctr02
## Datereceived.month.fctr10 Datereceived.month.fctr10
## Datereceived.month.fctr11 Datereceived.month.fctr11
## Datereceived.month.fctr12 Datereceived.month.fctr12
## Datereceived.wkday.fctr2 Datereceived.wkday.fctr2
## Datereceived.wkday.fctr3 Datereceived.wkday.fctr3
## Datereceived.wkday.fctr5 Datereceived.wkday.fctr5
## Datereceived.wkday.fctr6 Datereceived.wkday.fctr6
## Datesenttocompany.date.fctr(7,13] Datesenttocompany.date.fctr(7,13]
## Datesenttocompany.date.fctr(13,19] Datesenttocompany.date.fctr(13,19]
## Datesenttocompany.date.fctr(19,25] Datesenttocompany.date.fctr(19,25]
## Datesenttocompany.date.fctr(25,31] Datesenttocompany.date.fctr(25,31]
## Datesenttocompany.juliandate Datesenttocompany.juliandate
## Datesenttocompany.last16.log1p Datesenttocompany.last16.log1p
## Datesenttocompany.last2.log1p Datesenttocompany.last2.log1p
## Datesenttocompany.last32.log1p Datesenttocompany.last32.log1p
## Datesenttocompany.last4.log1p Datesenttocompany.last4.log1p
## Datesenttocompany.last8.log1p Datesenttocompany.last8.log1p
## Datesenttocompany.month.fctr02 Datesenttocompany.month.fctr02
## Datesenttocompany.month.fctr03 Datesenttocompany.month.fctr03
## Datesenttocompany.month.fctr04 Datesenttocompany.month.fctr04
## Datesenttocompany.month.fctr05 Datesenttocompany.month.fctr05
## Datesenttocompany.month.fctr06 Datesenttocompany.month.fctr06
## Datesenttocompany.month.fctr07 Datesenttocompany.month.fctr07
## Datesenttocompany.month.fctr08 Datesenttocompany.month.fctr08
## Datesenttocompany.month.fctr09 Datesenttocompany.month.fctr09
## Datesenttocompany.month.fctr10 Datesenttocompany.month.fctr10
## Datesenttocompany.month.fctr11 Datesenttocompany.month.fctr11
## Datesenttocompany.month.fctr12 Datesenttocompany.month.fctr12
## Datesenttocompany.wkday.fctr1 Datesenttocompany.wkday.fctr1
## Datesenttocompany.wkday.fctr2 Datesenttocompany.wkday.fctr2
## Datesenttocompany.wkday.fctr3 Datesenttocompany.wkday.fctr3
## Datesenttocompany.wkday.fctr4 Datesenttocompany.wkday.fctr4
## Datesenttocompany.wkday.fctr5 Datesenttocompany.wkday.fctr5
## Datesenttocompany.wkday.fctr6 Datesenttocompany.wkday.fctr6
## Datesenttocompany.wkend Datesenttocompany.wkend
## Datesenttocompany.year.fctr2015 Datesenttocompany.year.fctr2015
## Datesenttocompany.year.fctr2016 Datesenttocompany.year.fctr2016
## Response.fctrClosed Response.fctrClosed
## Response.fctrInprogress Response.fctrInprogress
## Response.fctrUntimelyresponse Response.fctrUntimelyresponse
## Rgn.Dvn.fctrMW#WestNorthCentral Rgn.Dvn.fctrMW#WestNorthCentral
## Rgn.Dvn.fctrMW#WestNorthCentral#MidAtlantic Rgn.Dvn.fctrMW#WestNorthCentral#MidAtlantic
## Rgn.Dvn.fctrMW#WestNorthCentral#NewEngland Rgn.Dvn.fctrMW#WestNorthCentral#NewEngland
## Rgn.Dvn.fctrOT#Other Rgn.Dvn.fctrOT#Other
## Rgn.Dvn.fctrSH#WestSouthCentral Rgn.Dvn.fctrSH#WestSouthCentral
## Rgn.Dvn.fctrWT#Mountain Rgn.Dvn.fctrWT#Mountain
## Sent.Recd.Dys.log1p Sent.Recd.Dys.log1p
## Sent.Recd.Dys.root2 Sent.Recd.Dys.root2
## gCConsent.fctrConsentprovided gCConsent.fctrConsentprovided
## gCompany.fctrComerica gCompany.fctrComerica
## gCompany.fctrPayPalHoldings,Inc. gCompany.fctrPayPalHoldings,Inc.
## gCompany.fctrU.S.Bancorp gCompany.fctrU.S.Bancorp
## gSPrd.fctrVehicleloan gSPrd.fctrVehicleloan
## gSPrd.fctrCheckingaccount gSPrd.fctrCheckingaccount
## gSPrd.fctrConventionalfixedmortgage gSPrd.fctrConventionalfixedmortgage
## gSPrd.fctrOther(i.e.phone,healthclub,etc.) gSPrd.fctrOther(i.e.phone,healthclub,etc.)
## gSPrd.fctrIdonotknow gSPrd.fctrIdonotknow
## gSPrd.fctr gSPrd.fctr
## gSPrd.fctrOthermortgage gSPrd.fctrOthermortgage
## gSPrd.fctrCreditcard gSPrd.fctrCreditcard
## gSPrd.fctrConventionaladjustablemortgage(ARM) gSPrd.fctrConventionaladjustablemortgage(ARM)
## gSPrd.fctrOtherbankproduct/service gSPrd.fctrOtherbankproduct/service
## gSPrd.fctrNon-federalstudentloan gSPrd.fctrNon-federalstudentloan
## gSPrd.fctrFHAmortgage gSPrd.fctrFHAmortgage
## gSPrd.fctr(CD)Certificateofdeposit gSPrd.fctr(CD)Certificateofdeposit
## gSPrd.fctrHomeequityloanorlineofcredit gSPrd.fctrHomeequityloanorlineofcredit
## gSPrd.fctrVehiclelease gSPrd.fctrVehiclelease
## gSPrd.fctrSavingsaccount gSPrd.fctrSavingsaccount
## gSPrd.fctrFederalstudentloan gSPrd.fctrFederalstudentloan
## gSPrd.fctrMortgage gSPrd.fctrMortgage
## gSPrd.fctrReversemortgage gSPrd.fctrReversemortgage
## gSPrd.fctrAuto gSPrd.fctrAuto
## gSPrd.fctrInstallmentloan gSPrd.fctrInstallmentloan
## gSPrd.fctrMedical gSPrd.fctrMedical
## gSPrd.fctrVAmortgage gSPrd.fctrVAmortgage
## gSPrd.fctrDomestic(US)moneytransfer gSPrd.fctrDomestic(US)moneytransfer
## gSPrd.fctrInternationalmoneytransfer gSPrd.fctrInternationalmoneytransfer
## gSPrd.fctrPersonallineofcredit gSPrd.fctrPersonallineofcredit
## gSPrd.fctrSecondmortgage gSPrd.fctrSecondmortgage
## gSPrd.fctrCashingacheckwithoutanaccount gSPrd.fctrCashingacheckwithoutanaccount
## gSPrd.fctrPaydayloan gSPrd.fctrPaydayloan
## gSPrd.fctrCheckcashing gSPrd.fctrCheckcashing
## gSPrd.fctrGovernmentbenefitpaymentcard gSPrd.fctrGovernmentbenefitpaymentcard
## gSPrd.fctrTitleloan gSPrd.fctrTitleloan
## gSPrd.fctrForeigncurrencyexchange gSPrd.fctrForeigncurrencyexchange
## gSPrd.fctrRefundanticipationcheck gSPrd.fctrRefundanticipationcheck
## gSPrd.fctrDebtsettlement gSPrd.fctrDebtsettlement
## gSPrd.fctrPayrollcard gSPrd.fctrPayrollcard
## gSPrd.fctrIDprepaidcard gSPrd.fctrIDprepaidcard
## gSPrd.fctrCreditrepair gSPrd.fctrCreditrepair
## gSPrd.fctrPawnloan gSPrd.fctrPawnloan
## gSPrd.fctrMoneyorder gSPrd.fctrMoneyorder
## gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks
## gSPrd.fctrFederalstudentloanservicing gSPrd.fctrFederalstudentloanservicing
## gTags.fctrOlderAmericanServicemember gTags.fctrOlderAmericanServicemember
## gSPrd.fctrVehicleloan:.clusterid.fctr2 gSPrd.fctrVehicleloan:.clusterid.fctr2
## gSPrd.fctrCheckingaccount:.clusterid.fctr2 gSPrd.fctrCheckingaccount:.clusterid.fctr2
## gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr2 gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr2
## gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr2 gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr2
## gSPrd.fctrIdonotknow:.clusterid.fctr2 gSPrd.fctrIdonotknow:.clusterid.fctr2
## gSPrd.fctr:.clusterid.fctr2 gSPrd.fctr:.clusterid.fctr2
## gSPrd.fctrOthermortgage:.clusterid.fctr2 gSPrd.fctrOthermortgage:.clusterid.fctr2
## gSPrd.fctrCreditcard:.clusterid.fctr2 gSPrd.fctrCreditcard:.clusterid.fctr2
## gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr2 gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr2
## gSPrd.fctrOtherbankproduct/service:.clusterid.fctr2 gSPrd.fctrOtherbankproduct/service:.clusterid.fctr2
## gSPrd.fctrNon-federalstudentloan:.clusterid.fctr2 gSPrd.fctrNon-federalstudentloan:.clusterid.fctr2
## gSPrd.fctrFHAmortgage:.clusterid.fctr2 gSPrd.fctrFHAmortgage:.clusterid.fctr2
## gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr2 gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr2
## gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr2 gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr2
## gSPrd.fctrVehiclelease:.clusterid.fctr2 gSPrd.fctrVehiclelease:.clusterid.fctr2
## gSPrd.fctrSavingsaccount:.clusterid.fctr2 gSPrd.fctrSavingsaccount:.clusterid.fctr2
## gSPrd.fctrFederalstudentloan:.clusterid.fctr2 gSPrd.fctrFederalstudentloan:.clusterid.fctr2
## gSPrd.fctrMortgage:.clusterid.fctr2 gSPrd.fctrMortgage:.clusterid.fctr2
## gSPrd.fctrReversemortgage:.clusterid.fctr2 gSPrd.fctrReversemortgage:.clusterid.fctr2
## gSPrd.fctrAuto:.clusterid.fctr2 gSPrd.fctrAuto:.clusterid.fctr2
## gSPrd.fctrInstallmentloan:.clusterid.fctr2 gSPrd.fctrInstallmentloan:.clusterid.fctr2
## gSPrd.fctrMedical:.clusterid.fctr2 gSPrd.fctrMedical:.clusterid.fctr2
## gSPrd.fctrVAmortgage:.clusterid.fctr2 gSPrd.fctrVAmortgage:.clusterid.fctr2
## gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr2 gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr2
## gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr2 gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr2
## gSPrd.fctrPersonallineofcredit:.clusterid.fctr2 gSPrd.fctrPersonallineofcredit:.clusterid.fctr2
## gSPrd.fctrSecondmortgage:.clusterid.fctr2 gSPrd.fctrSecondmortgage:.clusterid.fctr2
## gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr2 gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr2
## gSPrd.fctrPaydayloan:.clusterid.fctr2 gSPrd.fctrPaydayloan:.clusterid.fctr2
## gSPrd.fctrCheckcashing:.clusterid.fctr2 gSPrd.fctrCheckcashing:.clusterid.fctr2
## gSPrd.fctrMobilewallet:.clusterid.fctr2 gSPrd.fctrMobilewallet:.clusterid.fctr2
## gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr2 gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr2
## gSPrd.fctrGiftormerchantcard:.clusterid.fctr2 gSPrd.fctrGiftormerchantcard:.clusterid.fctr2
## gSPrd.fctrGeneralpurposecard:.clusterid.fctr2 gSPrd.fctrGeneralpurposecard:.clusterid.fctr2
## gSPrd.fctrTitleloan:.clusterid.fctr2 gSPrd.fctrTitleloan:.clusterid.fctr2
## gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr2 gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr2
## gSPrd.fctrRefundanticipationcheck:.clusterid.fctr2 gSPrd.fctrRefundanticipationcheck:.clusterid.fctr2
## gSPrd.fctrDebtsettlement:.clusterid.fctr2 gSPrd.fctrDebtsettlement:.clusterid.fctr2
## gSPrd.fctrPayrollcard:.clusterid.fctr2 gSPrd.fctrPayrollcard:.clusterid.fctr2
## gSPrd.fctrIDprepaidcard:.clusterid.fctr2 gSPrd.fctrIDprepaidcard:.clusterid.fctr2
## gSPrd.fctrCreditrepair:.clusterid.fctr2 gSPrd.fctrCreditrepair:.clusterid.fctr2
## gSPrd.fctrPawnloan:.clusterid.fctr2 gSPrd.fctrPawnloan:.clusterid.fctr2
## gSPrd.fctrMoneyorder:.clusterid.fctr2 gSPrd.fctrMoneyorder:.clusterid.fctr2
## gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks:.clusterid.fctr2 gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks:.clusterid.fctr2
## gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr2 gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr2
## gSPrd.fctrVehicleloan:.clusterid.fctr3 gSPrd.fctrVehicleloan:.clusterid.fctr3
## gSPrd.fctrCheckingaccount:.clusterid.fctr3 gSPrd.fctrCheckingaccount:.clusterid.fctr3
## gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr3 gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr3
## gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr3 gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr3
## gSPrd.fctrIdonotknow:.clusterid.fctr3 gSPrd.fctrIdonotknow:.clusterid.fctr3
## gSPrd.fctr:.clusterid.fctr3 gSPrd.fctr:.clusterid.fctr3
## gSPrd.fctrOthermortgage:.clusterid.fctr3 gSPrd.fctrOthermortgage:.clusterid.fctr3
## gSPrd.fctrCreditcard:.clusterid.fctr3 gSPrd.fctrCreditcard:.clusterid.fctr3
## gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr3 gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr3
## gSPrd.fctrOtherbankproduct/service:.clusterid.fctr3 gSPrd.fctrOtherbankproduct/service:.clusterid.fctr3
## gSPrd.fctrNon-federalstudentloan:.clusterid.fctr3 gSPrd.fctrNon-federalstudentloan:.clusterid.fctr3
## gSPrd.fctrFHAmortgage:.clusterid.fctr3 gSPrd.fctrFHAmortgage:.clusterid.fctr3
## gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr3 gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr3
## gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr3 gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr3
## gSPrd.fctrVehiclelease:.clusterid.fctr3 gSPrd.fctrVehiclelease:.clusterid.fctr3
## gSPrd.fctrSavingsaccount:.clusterid.fctr3 gSPrd.fctrSavingsaccount:.clusterid.fctr3
## gSPrd.fctrFederalstudentloan:.clusterid.fctr3 gSPrd.fctrFederalstudentloan:.clusterid.fctr3
## gSPrd.fctrMortgage:.clusterid.fctr3 gSPrd.fctrMortgage:.clusterid.fctr3
## gSPrd.fctrReversemortgage:.clusterid.fctr3 gSPrd.fctrReversemortgage:.clusterid.fctr3
## gSPrd.fctrAuto:.clusterid.fctr3 gSPrd.fctrAuto:.clusterid.fctr3
## gSPrd.fctrInstallmentloan:.clusterid.fctr3 gSPrd.fctrInstallmentloan:.clusterid.fctr3
## gSPrd.fctrMedical:.clusterid.fctr3 gSPrd.fctrMedical:.clusterid.fctr3
## gSPrd.fctrVAmortgage:.clusterid.fctr3 gSPrd.fctrVAmortgage:.clusterid.fctr3
## gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr3 gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr3
## gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr3 gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr3
## gSPrd.fctrPersonallineofcredit:.clusterid.fctr3 gSPrd.fctrPersonallineofcredit:.clusterid.fctr3
## gSPrd.fctrSecondmortgage:.clusterid.fctr3 gSPrd.fctrSecondmortgage:.clusterid.fctr3
## gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr3 gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr3
## gSPrd.fctrPaydayloan:.clusterid.fctr3 gSPrd.fctrPaydayloan:.clusterid.fctr3
## gSPrd.fctrCheckcashing:.clusterid.fctr3 gSPrd.fctrCheckcashing:.clusterid.fctr3
## gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr3 gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr3
## gSPrd.fctrGiftormerchantcard:.clusterid.fctr3 gSPrd.fctrGiftormerchantcard:.clusterid.fctr3
## gSPrd.fctrTitleloan:.clusterid.fctr3 gSPrd.fctrTitleloan:.clusterid.fctr3
## gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr3 gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr3
## gSPrd.fctrRefundanticipationcheck:.clusterid.fctr3 gSPrd.fctrRefundanticipationcheck:.clusterid.fctr3
## gSPrd.fctrDebtsettlement:.clusterid.fctr3 gSPrd.fctrDebtsettlement:.clusterid.fctr3
## gSPrd.fctrPayrollcard:.clusterid.fctr3 gSPrd.fctrPayrollcard:.clusterid.fctr3
## gSPrd.fctrIDprepaidcard:.clusterid.fctr3 gSPrd.fctrIDprepaidcard:.clusterid.fctr3
## gSPrd.fctrCreditrepair:.clusterid.fctr3 gSPrd.fctrCreditrepair:.clusterid.fctr3
## gSPrd.fctrPawnloan:.clusterid.fctr3 gSPrd.fctrPawnloan:.clusterid.fctr3
## gSPrd.fctrMoneyorder:.clusterid.fctr3 gSPrd.fctrMoneyorder:.clusterid.fctr3
## gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks:.clusterid.fctr3 gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks:.clusterid.fctr3
## gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr3 gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr3
## gSPrd.fctrOther:.clusterid.fctr4 gSPrd.fctrOther:.clusterid.fctr4
## gSPrd.fctrVehicleloan:.clusterid.fctr4 gSPrd.fctrVehicleloan:.clusterid.fctr4
## gSPrd.fctrCheckingaccount:.clusterid.fctr4 gSPrd.fctrCheckingaccount:.clusterid.fctr4
## gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr4 gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr4
## gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr4 gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr4
## gSPrd.fctrIdonotknow:.clusterid.fctr4 gSPrd.fctrIdonotknow:.clusterid.fctr4
## gSPrd.fctr:.clusterid.fctr4 gSPrd.fctr:.clusterid.fctr4
## gSPrd.fctrOthermortgage:.clusterid.fctr4 gSPrd.fctrOthermortgage:.clusterid.fctr4
## gSPrd.fctrCreditcard:.clusterid.fctr4 gSPrd.fctrCreditcard:.clusterid.fctr4
## gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr4 gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr4
## gSPrd.fctrOtherbankproduct/service:.clusterid.fctr4 gSPrd.fctrOtherbankproduct/service:.clusterid.fctr4
## gSPrd.fctrNon-federalstudentloan:.clusterid.fctr4 gSPrd.fctrNon-federalstudentloan:.clusterid.fctr4
## gSPrd.fctrFHAmortgage:.clusterid.fctr4 gSPrd.fctrFHAmortgage:.clusterid.fctr4
## gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr4 gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr4
## gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr4 gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr4
## gSPrd.fctrVehiclelease:.clusterid.fctr4 gSPrd.fctrVehiclelease:.clusterid.fctr4
## gSPrd.fctrSavingsaccount:.clusterid.fctr4 gSPrd.fctrSavingsaccount:.clusterid.fctr4
## gSPrd.fctrFederalstudentloan:.clusterid.fctr4 gSPrd.fctrFederalstudentloan:.clusterid.fctr4
## gSPrd.fctrMortgage:.clusterid.fctr4 gSPrd.fctrMortgage:.clusterid.fctr4
## gSPrd.fctrReversemortgage:.clusterid.fctr4 gSPrd.fctrReversemortgage:.clusterid.fctr4
## gSPrd.fctrAuto:.clusterid.fctr4 gSPrd.fctrAuto:.clusterid.fctr4
## gSPrd.fctrInstallmentloan:.clusterid.fctr4 gSPrd.fctrInstallmentloan:.clusterid.fctr4
## gSPrd.fctrMedical:.clusterid.fctr4 gSPrd.fctrMedical:.clusterid.fctr4
## gSPrd.fctrVAmortgage:.clusterid.fctr4 gSPrd.fctrVAmortgage:.clusterid.fctr4
## gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr4 gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr4
## gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr4 gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr4
## gSPrd.fctrPersonallineofcredit:.clusterid.fctr4 gSPrd.fctrPersonallineofcredit:.clusterid.fctr4
## gSPrd.fctrSecondmortgage:.clusterid.fctr4 gSPrd.fctrSecondmortgage:.clusterid.fctr4
## gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr4 gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr4
## gSPrd.fctrPaydayloan:.clusterid.fctr4 gSPrd.fctrPaydayloan:.clusterid.fctr4
## gSPrd.fctrCheckcashing:.clusterid.fctr4 gSPrd.fctrCheckcashing:.clusterid.fctr4
## gSPrd.fctrMobilewallet:.clusterid.fctr4 gSPrd.fctrMobilewallet:.clusterid.fctr4
## gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr4 gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr4
## gSPrd.fctrGiftormerchantcard:.clusterid.fctr4 gSPrd.fctrGiftormerchantcard:.clusterid.fctr4
## gSPrd.fctrGeneralpurposecard:.clusterid.fctr4 gSPrd.fctrGeneralpurposecard:.clusterid.fctr4
## gSPrd.fctrTitleloan:.clusterid.fctr4 gSPrd.fctrTitleloan:.clusterid.fctr4
## gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr4 gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr4
## gSPrd.fctrRefundanticipationcheck:.clusterid.fctr4 gSPrd.fctrRefundanticipationcheck:.clusterid.fctr4
## gSPrd.fctrDebtsettlement:.clusterid.fctr4 gSPrd.fctrDebtsettlement:.clusterid.fctr4
## gSPrd.fctrPayrollcard:.clusterid.fctr4 gSPrd.fctrPayrollcard:.clusterid.fctr4
## gSPrd.fctrIDprepaidcard:.clusterid.fctr4 gSPrd.fctrIDprepaidcard:.clusterid.fctr4
## gSPrd.fctrCreditrepair:.clusterid.fctr4 gSPrd.fctrCreditrepair:.clusterid.fctr4
## gSPrd.fctrPawnloan:.clusterid.fctr4 gSPrd.fctrPawnloan:.clusterid.fctr4
## gSPrd.fctrMoneyorder:.clusterid.fctr4 gSPrd.fctrMoneyorder:.clusterid.fctr4
## gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks:.clusterid.fctr4 gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks:.clusterid.fctr4
## gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr4 gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr4
## rel.inf
## Datereceived.juliandate 13.9527835
## Datereceived.last32.log1p 9.0401708
## Datereceived.last16.log1p 8.8416015
## .rnorm 7.6013442
## Response.fctrClosedwithmonetaryrelief 6.5748106
## gCompany.fctrAmex 5.4779622
## Datereceived.last2.log1p 4.5670027
## Datereceived.year.fctr2016 3.6796727
## Response.fctrClosedwithnon-monetaryrelief 3.5283682
## Datereceived.month.fctr05 3.2724076
## gCompany.fctrNetSpendCorporation,aTSYSCompany 2.8230050
## Sent.Recd.Dys 2.5933284
## Datereceived.last8.log1p 2.2469676
## Rgn.Dvn.fctrWT#Pacific 2.0443957
## gTags.fctrServicemember 1.6364149
## Datereceived.last4.log1p 1.4432789
## gCompany.fctrBlackhawkNetworkHoldingsInc. 1.4323673
## Channel.fctrPhone 1.4041665
## gCompany.fctrCitibank 1.1922049
## gSPrd.fctrMobilewallet:.clusterid.fctr3 1.1833532
## Datereceived.year.fctr2015 0.9786762
## Sent.Recd.Dys.nexp 0.9653245
## gSPrd.fctrGeneralpurposecard:.clusterid.fctr3 0.9625106
## Datereceived.date.fctr(19,25] 0.9304237
## Datereceived.month.fctr06 0.8871628
## gSPrd.fctrGiftormerchantcard 0.8276043
## Channel.fctrReferral 0.7468573
## Datereceived.wkend 0.7104820
## Datereceived.month.fctr07 0.6933344
## gTags.fctrOlderAmerican 0.6450202
## Datereceived.month.fctr03 0.6230694
## gCConsent.fctrOther 0.6229333
## gSPrd.fctrMobilewallet 0.6011755
## Datereceived.month.fctr08 0.5296346
## gCompany.fctrOther 0.5126191
## Rgn.Dvn.fctrSH#EastSouthCentral 0.4533878
## Datereceived.month.fctr04 0.4104179
## Rgn.Dvn.fctrMW#EastNorthCentral 0.3959795
## gSPrd.fctrOther:.clusterid.fctr3 0.3751924
## Datereceived.date.fctr(25,31] 0.3184387
## gCConsent.fctrConsentnotprovided 0.3149801
## Datereceived.month.fctr09 0.3111118
## Datereceived.date.fctr(7,13] 0.3096729
## .clusterid 0.2779193
## gSPrd.fctrGeneralpurposecard 0.2572902
## gSPrd.fctrOther:.clusterid.fctr2 0.2217155
## Datereceived.wkday.fctr4 0.2183365
## Datereceived.wkday.fctr1 0.2005794
## Channel.fctrPostalmail 0.1625439
## Channel.fctrFax 0.0000000
## Datereceived.date.fctr(13,19] 0.0000000
## Datereceived.month.fctr02 0.0000000
## Datereceived.month.fctr10 0.0000000
## Datereceived.month.fctr11 0.0000000
## Datereceived.month.fctr12 0.0000000
## Datereceived.wkday.fctr2 0.0000000
## Datereceived.wkday.fctr3 0.0000000
## Datereceived.wkday.fctr5 0.0000000
## Datereceived.wkday.fctr6 0.0000000
## Datesenttocompany.date.fctr(7,13] 0.0000000
## Datesenttocompany.date.fctr(13,19] 0.0000000
## Datesenttocompany.date.fctr(19,25] 0.0000000
## Datesenttocompany.date.fctr(25,31] 0.0000000
## Datesenttocompany.juliandate 0.0000000
## Datesenttocompany.last16.log1p 0.0000000
## Datesenttocompany.last2.log1p 0.0000000
## Datesenttocompany.last32.log1p 0.0000000
## Datesenttocompany.last4.log1p 0.0000000
## Datesenttocompany.last8.log1p 0.0000000
## Datesenttocompany.month.fctr02 0.0000000
## Datesenttocompany.month.fctr03 0.0000000
## Datesenttocompany.month.fctr04 0.0000000
## Datesenttocompany.month.fctr05 0.0000000
## Datesenttocompany.month.fctr06 0.0000000
## Datesenttocompany.month.fctr07 0.0000000
## Datesenttocompany.month.fctr08 0.0000000
## Datesenttocompany.month.fctr09 0.0000000
## Datesenttocompany.month.fctr10 0.0000000
## Datesenttocompany.month.fctr11 0.0000000
## Datesenttocompany.month.fctr12 0.0000000
## Datesenttocompany.wkday.fctr1 0.0000000
## Datesenttocompany.wkday.fctr2 0.0000000
## Datesenttocompany.wkday.fctr3 0.0000000
## Datesenttocompany.wkday.fctr4 0.0000000
## Datesenttocompany.wkday.fctr5 0.0000000
## Datesenttocompany.wkday.fctr6 0.0000000
## Datesenttocompany.wkend 0.0000000
## Datesenttocompany.year.fctr2015 0.0000000
## Datesenttocompany.year.fctr2016 0.0000000
## Response.fctrClosed 0.0000000
## Response.fctrInprogress 0.0000000
## Response.fctrUntimelyresponse 0.0000000
## Rgn.Dvn.fctrMW#WestNorthCentral 0.0000000
## Rgn.Dvn.fctrMW#WestNorthCentral#MidAtlantic 0.0000000
## Rgn.Dvn.fctrMW#WestNorthCentral#NewEngland 0.0000000
## Rgn.Dvn.fctrOT#Other 0.0000000
## Rgn.Dvn.fctrSH#WestSouthCentral 0.0000000
## Rgn.Dvn.fctrWT#Mountain 0.0000000
## Sent.Recd.Dys.log1p 0.0000000
## Sent.Recd.Dys.root2 0.0000000
## gCConsent.fctrConsentprovided 0.0000000
## gCompany.fctrComerica 0.0000000
## gCompany.fctrPayPalHoldings,Inc. 0.0000000
## gCompany.fctrU.S.Bancorp 0.0000000
## gSPrd.fctrVehicleloan 0.0000000
## gSPrd.fctrCheckingaccount 0.0000000
## gSPrd.fctrConventionalfixedmortgage 0.0000000
## gSPrd.fctrOther(i.e.phone,healthclub,etc.) 0.0000000
## gSPrd.fctrIdonotknow 0.0000000
## gSPrd.fctr 0.0000000
## gSPrd.fctrOthermortgage 0.0000000
## gSPrd.fctrCreditcard 0.0000000
## gSPrd.fctrConventionaladjustablemortgage(ARM) 0.0000000
## gSPrd.fctrOtherbankproduct/service 0.0000000
## gSPrd.fctrNon-federalstudentloan 0.0000000
## gSPrd.fctrFHAmortgage 0.0000000
## gSPrd.fctr(CD)Certificateofdeposit 0.0000000
## gSPrd.fctrHomeequityloanorlineofcredit 0.0000000
## gSPrd.fctrVehiclelease 0.0000000
## gSPrd.fctrSavingsaccount 0.0000000
## gSPrd.fctrFederalstudentloan 0.0000000
## gSPrd.fctrMortgage 0.0000000
## gSPrd.fctrReversemortgage 0.0000000
## gSPrd.fctrAuto 0.0000000
## gSPrd.fctrInstallmentloan 0.0000000
## gSPrd.fctrMedical 0.0000000
## gSPrd.fctrVAmortgage 0.0000000
## gSPrd.fctrDomestic(US)moneytransfer 0.0000000
## gSPrd.fctrInternationalmoneytransfer 0.0000000
## gSPrd.fctrPersonallineofcredit 0.0000000
## gSPrd.fctrSecondmortgage 0.0000000
## gSPrd.fctrCashingacheckwithoutanaccount 0.0000000
## gSPrd.fctrPaydayloan 0.0000000
## gSPrd.fctrCheckcashing 0.0000000
## gSPrd.fctrGovernmentbenefitpaymentcard 0.0000000
## gSPrd.fctrTitleloan 0.0000000
## gSPrd.fctrForeigncurrencyexchange 0.0000000
## gSPrd.fctrRefundanticipationcheck 0.0000000
## gSPrd.fctrDebtsettlement 0.0000000
## gSPrd.fctrPayrollcard 0.0000000
## gSPrd.fctrIDprepaidcard 0.0000000
## gSPrd.fctrCreditrepair 0.0000000
## gSPrd.fctrPawnloan 0.0000000
## gSPrd.fctrMoneyorder 0.0000000
## gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks 0.0000000
## gSPrd.fctrFederalstudentloanservicing 0.0000000
## gTags.fctrOlderAmericanServicemember 0.0000000
## gSPrd.fctrVehicleloan:.clusterid.fctr2 0.0000000
## gSPrd.fctrCheckingaccount:.clusterid.fctr2 0.0000000
## gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr2 0.0000000
## gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr2 0.0000000
## gSPrd.fctrIdonotknow:.clusterid.fctr2 0.0000000
## gSPrd.fctr:.clusterid.fctr2 0.0000000
## gSPrd.fctrOthermortgage:.clusterid.fctr2 0.0000000
## gSPrd.fctrCreditcard:.clusterid.fctr2 0.0000000
## gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr2 0.0000000
## gSPrd.fctrOtherbankproduct/service:.clusterid.fctr2 0.0000000
## gSPrd.fctrNon-federalstudentloan:.clusterid.fctr2 0.0000000
## gSPrd.fctrFHAmortgage:.clusterid.fctr2 0.0000000
## gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr2 0.0000000
## gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr2 0.0000000
## gSPrd.fctrVehiclelease:.clusterid.fctr2 0.0000000
## gSPrd.fctrSavingsaccount:.clusterid.fctr2 0.0000000
## gSPrd.fctrFederalstudentloan:.clusterid.fctr2 0.0000000
## gSPrd.fctrMortgage:.clusterid.fctr2 0.0000000
## gSPrd.fctrReversemortgage:.clusterid.fctr2 0.0000000
## gSPrd.fctrAuto:.clusterid.fctr2 0.0000000
## gSPrd.fctrInstallmentloan:.clusterid.fctr2 0.0000000
## gSPrd.fctrMedical:.clusterid.fctr2 0.0000000
## gSPrd.fctrVAmortgage:.clusterid.fctr2 0.0000000
## gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr2 0.0000000
## gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr2 0.0000000
## gSPrd.fctrPersonallineofcredit:.clusterid.fctr2 0.0000000
## gSPrd.fctrSecondmortgage:.clusterid.fctr2 0.0000000
## gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr2 0.0000000
## gSPrd.fctrPaydayloan:.clusterid.fctr2 0.0000000
## gSPrd.fctrCheckcashing:.clusterid.fctr2 0.0000000
## gSPrd.fctrMobilewallet:.clusterid.fctr2 0.0000000
## gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr2 0.0000000
## gSPrd.fctrGiftormerchantcard:.clusterid.fctr2 0.0000000
## gSPrd.fctrGeneralpurposecard:.clusterid.fctr2 0.0000000
## gSPrd.fctrTitleloan:.clusterid.fctr2 0.0000000
## gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr2 0.0000000
## gSPrd.fctrRefundanticipationcheck:.clusterid.fctr2 0.0000000
## gSPrd.fctrDebtsettlement:.clusterid.fctr2 0.0000000
## gSPrd.fctrPayrollcard:.clusterid.fctr2 0.0000000
## gSPrd.fctrIDprepaidcard:.clusterid.fctr2 0.0000000
## gSPrd.fctrCreditrepair:.clusterid.fctr2 0.0000000
## gSPrd.fctrPawnloan:.clusterid.fctr2 0.0000000
## gSPrd.fctrMoneyorder:.clusterid.fctr2 0.0000000
## gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks:.clusterid.fctr2 0.0000000
## gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr2 0.0000000
## gSPrd.fctrVehicleloan:.clusterid.fctr3 0.0000000
## gSPrd.fctrCheckingaccount:.clusterid.fctr3 0.0000000
## gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr3 0.0000000
## gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr3 0.0000000
## gSPrd.fctrIdonotknow:.clusterid.fctr3 0.0000000
## gSPrd.fctr:.clusterid.fctr3 0.0000000
## gSPrd.fctrOthermortgage:.clusterid.fctr3 0.0000000
## gSPrd.fctrCreditcard:.clusterid.fctr3 0.0000000
## gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr3 0.0000000
## gSPrd.fctrOtherbankproduct/service:.clusterid.fctr3 0.0000000
## gSPrd.fctrNon-federalstudentloan:.clusterid.fctr3 0.0000000
## gSPrd.fctrFHAmortgage:.clusterid.fctr3 0.0000000
## gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr3 0.0000000
## gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr3 0.0000000
## gSPrd.fctrVehiclelease:.clusterid.fctr3 0.0000000
## gSPrd.fctrSavingsaccount:.clusterid.fctr3 0.0000000
## gSPrd.fctrFederalstudentloan:.clusterid.fctr3 0.0000000
## gSPrd.fctrMortgage:.clusterid.fctr3 0.0000000
## gSPrd.fctrReversemortgage:.clusterid.fctr3 0.0000000
## gSPrd.fctrAuto:.clusterid.fctr3 0.0000000
## gSPrd.fctrInstallmentloan:.clusterid.fctr3 0.0000000
## gSPrd.fctrMedical:.clusterid.fctr3 0.0000000
## gSPrd.fctrVAmortgage:.clusterid.fctr3 0.0000000
## gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr3 0.0000000
## gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr3 0.0000000
## gSPrd.fctrPersonallineofcredit:.clusterid.fctr3 0.0000000
## gSPrd.fctrSecondmortgage:.clusterid.fctr3 0.0000000
## gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr3 0.0000000
## gSPrd.fctrPaydayloan:.clusterid.fctr3 0.0000000
## gSPrd.fctrCheckcashing:.clusterid.fctr3 0.0000000
## gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr3 0.0000000
## gSPrd.fctrGiftormerchantcard:.clusterid.fctr3 0.0000000
## gSPrd.fctrTitleloan:.clusterid.fctr3 0.0000000
## gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr3 0.0000000
## gSPrd.fctrRefundanticipationcheck:.clusterid.fctr3 0.0000000
## gSPrd.fctrDebtsettlement:.clusterid.fctr3 0.0000000
## gSPrd.fctrPayrollcard:.clusterid.fctr3 0.0000000
## gSPrd.fctrIDprepaidcard:.clusterid.fctr3 0.0000000
## gSPrd.fctrCreditrepair:.clusterid.fctr3 0.0000000
## gSPrd.fctrPawnloan:.clusterid.fctr3 0.0000000
## gSPrd.fctrMoneyorder:.clusterid.fctr3 0.0000000
## gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks:.clusterid.fctr3 0.0000000
## gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr3 0.0000000
## gSPrd.fctrOther:.clusterid.fctr4 0.0000000
## gSPrd.fctrVehicleloan:.clusterid.fctr4 0.0000000
## gSPrd.fctrCheckingaccount:.clusterid.fctr4 0.0000000
## gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr4 0.0000000
## gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr4 0.0000000
## gSPrd.fctrIdonotknow:.clusterid.fctr4 0.0000000
## gSPrd.fctr:.clusterid.fctr4 0.0000000
## gSPrd.fctrOthermortgage:.clusterid.fctr4 0.0000000
## gSPrd.fctrCreditcard:.clusterid.fctr4 0.0000000
## gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr4 0.0000000
## gSPrd.fctrOtherbankproduct/service:.clusterid.fctr4 0.0000000
## gSPrd.fctrNon-federalstudentloan:.clusterid.fctr4 0.0000000
## gSPrd.fctrFHAmortgage:.clusterid.fctr4 0.0000000
## gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr4 0.0000000
## gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr4 0.0000000
## gSPrd.fctrVehiclelease:.clusterid.fctr4 0.0000000
## gSPrd.fctrSavingsaccount:.clusterid.fctr4 0.0000000
## gSPrd.fctrFederalstudentloan:.clusterid.fctr4 0.0000000
## gSPrd.fctrMortgage:.clusterid.fctr4 0.0000000
## gSPrd.fctrReversemortgage:.clusterid.fctr4 0.0000000
## gSPrd.fctrAuto:.clusterid.fctr4 0.0000000
## gSPrd.fctrInstallmentloan:.clusterid.fctr4 0.0000000
## gSPrd.fctrMedical:.clusterid.fctr4 0.0000000
## gSPrd.fctrVAmortgage:.clusterid.fctr4 0.0000000
## gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr4 0.0000000
## gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr4 0.0000000
## gSPrd.fctrPersonallineofcredit:.clusterid.fctr4 0.0000000
## gSPrd.fctrSecondmortgage:.clusterid.fctr4 0.0000000
## gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr4 0.0000000
## gSPrd.fctrPaydayloan:.clusterid.fctr4 0.0000000
## gSPrd.fctrCheckcashing:.clusterid.fctr4 0.0000000
## gSPrd.fctrMobilewallet:.clusterid.fctr4 0.0000000
## gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr4 0.0000000
## gSPrd.fctrGiftormerchantcard:.clusterid.fctr4 0.0000000
## gSPrd.fctrGeneralpurposecard:.clusterid.fctr4 0.0000000
## gSPrd.fctrTitleloan:.clusterid.fctr4 0.0000000
## gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr4 0.0000000
## gSPrd.fctrRefundanticipationcheck:.clusterid.fctr4 0.0000000
## gSPrd.fctrDebtsettlement:.clusterid.fctr4 0.0000000
## gSPrd.fctrPayrollcard:.clusterid.fctr4 0.0000000
## gSPrd.fctrIDprepaidcard:.clusterid.fctr4 0.0000000
## gSPrd.fctrCreditrepair:.clusterid.fctr4 0.0000000
## gSPrd.fctrPawnloan:.clusterid.fctr4 0.0000000
## gSPrd.fctrMoneyorder:.clusterid.fctr4 0.0000000
## gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks:.clusterid.fctr4 0.0000000
## gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr4 0.0000000
## [1] "myfit_mdl: train diagnostics complete: 2.827000 secs"
## Prediction
## Reference N Y
## N 937 281
## Y 131 306
## Accuracy Kappa AccuracyLower AccuracyUpper AccuracyNull
## 7.510574e-01 4.229750e-01 7.294890e-01 7.717317e-01 7.359517e-01
## AccuracyPValue McnemarPValue
## 8.532520e-02 2.124746e-13
## [1] "myfit_mdl: predict complete: 5.922000 secs"
## id
## 1 Trn.All.X###gbm
## feats
## 1 Datereceived.last8.log1p,Datesenttocompany.last8.log1p,Datereceived.last4.log1p,Datesenttocompany.last4.log1p,Datereceived.last2.log1p,Datesenttocompany.last2.log1p,Datereceived.last16.log1p,Datesenttocompany.last16.log1p,Datereceived.last32.log1p,Datesenttocompany.last32.log1p,gCompany.fctr,gTags.fctr,Sent.Recd.Dys.nexp,Rgn.Dvn.fctr,Datereceived.year.fctr,Datesenttocompany.year.fctr,Datereceived.wkday.fctr,Datesenttocompany.wkday.fctr,gCConsent.fctr,.rnorm,Datereceived.wkend,Datesenttocompany.wkend,Channel.fctr,gSPrd.fctr,.clusterid,Datereceived.month.fctr,Datesenttocompany.month.fctr,Datereceived.juliandate,Datesenttocompany.juliandate,Datereceived.date.fctr,Datesenttocompany.date.fctr,Sent.Recd.Dys,Sent.Recd.Dys.root2,Sent.Recd.Dys.log1p,Response.fctr,gSPrd.fctr:.clusterid.fctr
## max.nTuningRuns min.elapsedtime.everything min.elapsedtime.final
## 1 0 2.037 1.493
## max.AUCpROC.fit max.Sens.fit max.Spec.fit max.AUCROCR.fit
## 1 0.6143639 0.9770115 0.2517162 0.824134
## opt.prob.threshold.fit max.f.score.fit max.Accuracy.fit
## 1 0.3 0.5976562 0.7510574
## max.AccuracyLower.fit max.AccuracyUpper.fit max.Kappa.fit
## 1 0.729489 0.7717317 0.422975
## min.log.loss.mean.fit
## 1 0.4549932
## [1] "myfit_mdl: exit: 5.933000 secs"
## [1] "myfit_mdl: enter: 0.000000 secs"
## [1] "myfit_mdl: fitting model: Trn.All.X##rcv#gbm"
## [1] " indepVar: Datereceived.last8.log1p,Datesenttocompany.last8.log1p,Datereceived.last4.log1p,Datesenttocompany.last4.log1p,Datereceived.last2.log1p,Datesenttocompany.last2.log1p,Datereceived.last16.log1p,Datesenttocompany.last16.log1p,Datereceived.last32.log1p,Datesenttocompany.last32.log1p,gCompany.fctr,gTags.fctr,Sent.Recd.Dys.nexp,Rgn.Dvn.fctr,Datereceived.year.fctr,Datesenttocompany.year.fctr,Datereceived.wkday.fctr,Datesenttocompany.wkday.fctr,gCConsent.fctr,.rnorm,Datereceived.wkend,Datesenttocompany.wkend,Channel.fctr,gSPrd.fctr,.clusterid,Datereceived.month.fctr,Datesenttocompany.month.fctr,Datereceived.juliandate,Datesenttocompany.juliandate,Datereceived.date.fctr,Datesenttocompany.date.fctr,Sent.Recd.Dys,Sent.Recd.Dys.root2,Sent.Recd.Dys.log1p,Response.fctr,gSPrd.fctr:.clusterid.fctr"
## [1] "myfit_mdl: setup complete: 0.616000 secs"
## Aggregating results
## Selecting tuning parameters
## Fitting n.trees = 50, interaction.depth = 5, shrinkage = 0.1, n.minobsinnode = 10 on full training set## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 70: Response.fctrInprogress has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 71: Response.fctrUntimelyresponse has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 96: gSPrd.fctrVehicleloan has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 97: gSPrd.fctrCheckingaccount has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 98: gSPrd.fctrConventionalfixedmortgage has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 99: gSPrd.fctrOther(i.e.phone,healthclub,etc.) has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 100: gSPrd.fctrIdonotknow has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 101: gSPrd.fctr has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 102: gSPrd.fctrOthermortgage has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 103: gSPrd.fctrCreditcard has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1,
## 1, : variable 104: gSPrd.fctrConventionaladjustablemortgage(ARM) has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 105: gSPrd.fctrOtherbankproduct/service has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 106: gSPrd.fctrNon-federalstudentloan has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 107: gSPrd.fctrFHAmortgage has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 108: gSPrd.fctr(CD)Certificateofdeposit has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 109: gSPrd.fctrHomeequityloanorlineofcredit has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 110: gSPrd.fctrVehiclelease has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 111: gSPrd.fctrSavingsaccount has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 112: gSPrd.fctrFederalstudentloan has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 113: gSPrd.fctrMortgage has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 114: gSPrd.fctrReversemortgage has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 115: gSPrd.fctrAuto has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 116: gSPrd.fctrInstallmentloan has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 117: gSPrd.fctrMedical has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 118: gSPrd.fctrVAmortgage has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 119: gSPrd.fctrDomestic(US)moneytransfer has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 120: gSPrd.fctrInternationalmoneytransfer has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 121: gSPrd.fctrPersonallineofcredit has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 122: gSPrd.fctrSecondmortgage has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 123: gSPrd.fctrCashingacheckwithoutanaccount has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 124: gSPrd.fctrPaydayloan has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 125: gSPrd.fctrCheckcashing has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 130: gSPrd.fctrTitleloan has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 131: gSPrd.fctrForeigncurrencyexchange has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 132: gSPrd.fctrRefundanticipationcheck has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 133: gSPrd.fctrDebtsettlement has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 136: gSPrd.fctrCreditrepair has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 137: gSPrd.fctrPawnloan has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 138: gSPrd.fctrMoneyorder has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 139: gSPrd.fctrTraveler<U+2019>s/Cashier<U+2019>schecks has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 140: gSPrd.fctrFederalstudentloanservicing has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 145: gSPrd.fctrVehicleloan:.clusterid.fctr2 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 146: gSPrd.fctrCheckingaccount:.clusterid.fctr2 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 147: gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr2 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 148: gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr2
## has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 149: gSPrd.fctrIdonotknow:.clusterid.fctr2 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 150: gSPrd.fctr:.clusterid.fctr2 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 151: gSPrd.fctrOthermortgage:.clusterid.fctr2 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 152: gSPrd.fctrCreditcard:.clusterid.fctr2 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1,
## 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, : variable 153:
## gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr2 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 154: gSPrd.fctrOtherbankproduct/service:.clusterid.fctr2 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1,
## 1, : variable 155: gSPrd.fctrNon-federalstudentloan:.clusterid.fctr2 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 156: gSPrd.fctrFHAmortgage:.clusterid.fctr2 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 157: gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr2 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 158: gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr2 has
## no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 159: gSPrd.fctrVehiclelease:.clusterid.fctr2 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 160: gSPrd.fctrSavingsaccount:.clusterid.fctr2 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1,
## 1, : variable 161: gSPrd.fctrFederalstudentloan:.clusterid.fctr2 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 162: gSPrd.fctrMortgage:.clusterid.fctr2 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 163: gSPrd.fctrReversemortgage:.clusterid.fctr2 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 164: gSPrd.fctrAuto:.clusterid.fctr2 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 165: gSPrd.fctrInstallmentloan:.clusterid.fctr2 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 166: gSPrd.fctrMedical:.clusterid.fctr2 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 167: gSPrd.fctrVAmortgage:.clusterid.fctr2 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 168: gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr2 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 169: gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr2 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1,
## 1, : variable 170: gSPrd.fctrPersonallineofcredit:.clusterid.fctr2 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 171: gSPrd.fctrSecondmortgage:.clusterid.fctr2 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 172: gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr2 has
## no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 173: gSPrd.fctrPaydayloan:.clusterid.fctr2 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 174: gSPrd.fctrCheckcashing:.clusterid.fctr2 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 179: gSPrd.fctrTitleloan:.clusterid.fctr2 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 180: gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr2 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 181: gSPrd.fctrRefundanticipationcheck:.clusterid.fctr2 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 182: gSPrd.fctrDebtsettlement:.clusterid.fctr2 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 185: gSPrd.fctrCreditrepair:.clusterid.fctr2 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 186: gSPrd.fctrPawnloan:.clusterid.fctr2 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 187: gSPrd.fctrMoneyorder:.clusterid.fctr2 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 188: gSPrd.fctrTraveler<U+2019>s/Cashier<U+2019>schecks:.clusterid.fctr2 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 189: gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr2 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 191: gSPrd.fctrVehicleloan:.clusterid.fctr3 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 192: gSPrd.fctrCheckingaccount:.clusterid.fctr3 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 193: gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr3 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 194: gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr3
## has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 195: gSPrd.fctrIdonotknow:.clusterid.fctr3 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 196: gSPrd.fctr:.clusterid.fctr3 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 197: gSPrd.fctrOthermortgage:.clusterid.fctr3 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 198: gSPrd.fctrCreditcard:.clusterid.fctr3 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1,
## 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, : variable 199:
## gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr3 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 200: gSPrd.fctrOtherbankproduct/service:.clusterid.fctr3 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1,
## 1, : variable 201: gSPrd.fctrNon-federalstudentloan:.clusterid.fctr3 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 202: gSPrd.fctrFHAmortgage:.clusterid.fctr3 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 203: gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr3 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 204: gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr3 has
## no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 205: gSPrd.fctrVehiclelease:.clusterid.fctr3 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 206: gSPrd.fctrSavingsaccount:.clusterid.fctr3 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1,
## 1, : variable 207: gSPrd.fctrFederalstudentloan:.clusterid.fctr3 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 208: gSPrd.fctrMortgage:.clusterid.fctr3 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 209: gSPrd.fctrReversemortgage:.clusterid.fctr3 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 210: gSPrd.fctrAuto:.clusterid.fctr3 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 211: gSPrd.fctrInstallmentloan:.clusterid.fctr3 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 212: gSPrd.fctrMedical:.clusterid.fctr3 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 213: gSPrd.fctrVAmortgage:.clusterid.fctr3 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 214: gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr3 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 215: gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr3 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1,
## 1, : variable 216: gSPrd.fctrPersonallineofcredit:.clusterid.fctr3 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 217: gSPrd.fctrSecondmortgage:.clusterid.fctr3 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 218: gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr3 has
## no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 219: gSPrd.fctrPaydayloan:.clusterid.fctr3 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 220: gSPrd.fctrCheckcashing:.clusterid.fctr3 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 222: gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr3 has
## no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 225: gSPrd.fctrTitleloan:.clusterid.fctr3 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 226: gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr3 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 227: gSPrd.fctrRefundanticipationcheck:.clusterid.fctr3 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 228: gSPrd.fctrDebtsettlement:.clusterid.fctr3 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 229: gSPrd.fctrPayrollcard:.clusterid.fctr3 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 231: gSPrd.fctrCreditrepair:.clusterid.fctr3 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 232: gSPrd.fctrPawnloan:.clusterid.fctr3 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 233: gSPrd.fctrMoneyorder:.clusterid.fctr3 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 234: gSPrd.fctrTraveler<U+2019>s/Cashier<U+2019>schecks:.clusterid.fctr3 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 235: gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr3 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 237: gSPrd.fctrVehicleloan:.clusterid.fctr4 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 238: gSPrd.fctrCheckingaccount:.clusterid.fctr4 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 239: gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr4 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 240: gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr4
## has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 241: gSPrd.fctrIdonotknow:.clusterid.fctr4 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 242: gSPrd.fctr:.clusterid.fctr4 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 243: gSPrd.fctrOthermortgage:.clusterid.fctr4 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 244: gSPrd.fctrCreditcard:.clusterid.fctr4 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1,
## 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, : variable 245:
## gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr4 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 246: gSPrd.fctrOtherbankproduct/service:.clusterid.fctr4 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1,
## 1, : variable 247: gSPrd.fctrNon-federalstudentloan:.clusterid.fctr4 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 248: gSPrd.fctrFHAmortgage:.clusterid.fctr4 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 249: gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr4 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 250: gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr4 has
## no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 251: gSPrd.fctrVehiclelease:.clusterid.fctr4 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 252: gSPrd.fctrSavingsaccount:.clusterid.fctr4 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1,
## 1, : variable 253: gSPrd.fctrFederalstudentloan:.clusterid.fctr4 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 254: gSPrd.fctrMortgage:.clusterid.fctr4 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 255: gSPrd.fctrReversemortgage:.clusterid.fctr4 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 256: gSPrd.fctrAuto:.clusterid.fctr4 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 257: gSPrd.fctrInstallmentloan:.clusterid.fctr4 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 258: gSPrd.fctrMedical:.clusterid.fctr4 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 259: gSPrd.fctrVAmortgage:.clusterid.fctr4 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 260: gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr4 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 261: gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr4 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1,
## 1, : variable 262: gSPrd.fctrPersonallineofcredit:.clusterid.fctr4 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 263: gSPrd.fctrSecondmortgage:.clusterid.fctr4 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 264: gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr4 has
## no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 265: gSPrd.fctrPaydayloan:.clusterid.fctr4 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 266: gSPrd.fctrCheckcashing:.clusterid.fctr4 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 267: gSPrd.fctrMobilewallet:.clusterid.fctr4 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 268: gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr4 has
## no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1,
## 1, : variable 269: gSPrd.fctrGiftormerchantcard:.clusterid.fctr4 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1,
## 1, : variable 270: gSPrd.fctrGeneralpurposecard:.clusterid.fctr4 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 271: gSPrd.fctrTitleloan:.clusterid.fctr4 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 272: gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr4 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 273: gSPrd.fctrRefundanticipationcheck:.clusterid.fctr4 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 274: gSPrd.fctrDebtsettlement:.clusterid.fctr4 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 275: gSPrd.fctrPayrollcard:.clusterid.fctr4 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 276: gSPrd.fctrIDprepaidcard:.clusterid.fctr4 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 277: gSPrd.fctrCreditrepair:.clusterid.fctr4 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 278: gSPrd.fctrPawnloan:.clusterid.fctr4 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 279: gSPrd.fctrMoneyorder:.clusterid.fctr4 has no variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 280: gSPrd.fctrTraveler<U+2019>s/Cashier<U+2019>schecks:.clusterid.fctr4 has no
## variation.## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 281: gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr4 has no
## variation.
## Iter TrainDeviance ValidDeviance StepSize Improve
## 1 1.1349 nan 0.1000 0.0091
## 2 1.1131 nan 0.1000 0.0096
## 3 1.0984 nan 0.1000 0.0049
## 4 1.0849 nan 0.1000 0.0059
## 5 1.0733 nan 0.1000 0.0031
## 6 1.0595 nan 0.1000 0.0047
## 7 1.0458 nan 0.1000 0.0045
## 8 1.0350 nan 0.1000 0.0019
## 9 1.0280 nan 0.1000 0.0008
## 10 1.0216 nan 0.1000 0.0015
## 20 0.9678 nan 0.1000 0.0006
## 40 0.9041 nan 0.1000 -0.0011
## 50 0.8793 nan 0.1000 -0.0011
##
## [1] "myfit_mdl: train complete: 106.887000 secs"## Warning in myfit_mdl(mdl_specs_lst = thsRslSpc, indepVar = mdlIndepVar, :
## model's bestTune found at an extreme of tuneGrid for parameter: n.trees## Warning in myfit_mdl(mdl_specs_lst = thsRslSpc, indepVar = mdlIndepVar, :
## model's bestTune found at an extreme of tuneGrid for parameter:
## interaction.depth## Warning in myfit_mdl(mdl_specs_lst = thsRslSpc, indepVar = mdlIndepVar, :
## model's bestTune found at an extreme of tuneGrid for parameter: shrinkage## Warning in myfit_mdl(mdl_specs_lst = thsRslSpc, indepVar = mdlIndepVar, :
## model's bestTune found at an extreme of tuneGrid for parameter:
## n.minobsinnode
## var
## Datereceived.last32.log1p Datereceived.last32.log1p
## Datereceived.juliandate Datereceived.juliandate
## .rnorm .rnorm
## gCompany.fctrAmex gCompany.fctrAmex
## Response.fctrClosedwithmonetaryrelief Response.fctrClosedwithmonetaryrelief
## Datereceived.last2.log1p Datereceived.last2.log1p
## Datereceived.last16.log1p Datereceived.last16.log1p
## Response.fctrClosedwithnon-monetaryrelief Response.fctrClosedwithnon-monetaryrelief
## Datereceived.month.fctr05 Datereceived.month.fctr05
## Datereceived.last4.log1p Datereceived.last4.log1p
## gCompany.fctrNetSpendCorporation,aTSYSCompany gCompany.fctrNetSpendCorporation,aTSYSCompany
## Datereceived.year.fctr2016 Datereceived.year.fctr2016
## Sent.Recd.Dys.nexp Sent.Recd.Dys.nexp
## gCompany.fctrBlackhawkNetworkHoldingsInc. gCompany.fctrBlackhawkNetworkHoldingsInc.
## Sent.Recd.Dys Sent.Recd.Dys
## Channel.fctrPhone Channel.fctrPhone
## Rgn.Dvn.fctrWT#Pacific Rgn.Dvn.fctrWT#Pacific
## gCompany.fctrOther gCompany.fctrOther
## gSPrd.fctrGeneralpurposecard gSPrd.fctrGeneralpurposecard
## Datereceived.wkend Datereceived.wkend
## Datereceived.date.fctr(19,25] Datereceived.date.fctr(19,25]
## gTags.fctrServicemember gTags.fctrServicemember
## Datereceived.wkday.fctr1 Datereceived.wkday.fctr1
## Datereceived.year.fctr2015 Datereceived.year.fctr2015
## gCConsent.fctrOther gCConsent.fctrOther
## gCConsent.fctrConsentnotprovided gCConsent.fctrConsentnotprovided
## Datereceived.wkday.fctr4 Datereceived.wkday.fctr4
## gTags.fctrOlderAmerican gTags.fctrOlderAmerican
## Datereceived.month.fctr08 Datereceived.month.fctr08
## gSPrd.fctrGeneralpurposecard:.clusterid.fctr3 gSPrd.fctrGeneralpurposecard:.clusterid.fctr3
## Datereceived.month.fctr06 Datereceived.month.fctr06
## gSPrd.fctrMobilewallet gSPrd.fctrMobilewallet
## Channel.fctrReferral Channel.fctrReferral
## Rgn.Dvn.fctrMW#WestNorthCentral Rgn.Dvn.fctrMW#WestNorthCentral
## Channel.fctrPostalmail Channel.fctrPostalmail
## gSPrd.fctrMobilewallet:.clusterid.fctr3 gSPrd.fctrMobilewallet:.clusterid.fctr3
## gSPrd.fctrGiftormerchantcard gSPrd.fctrGiftormerchantcard
## Datereceived.date.fctr(7,13] Datereceived.date.fctr(7,13]
## Datereceived.month.fctr03 Datereceived.month.fctr03
## Datereceived.month.fctr02 Datereceived.month.fctr02
## Datereceived.last8.log1p Datereceived.last8.log1p
## gCompany.fctrU.S.Bancorp gCompany.fctrU.S.Bancorp
## Datereceived.month.fctr07 Datereceived.month.fctr07
## Rgn.Dvn.fctrMW#WestNorthCentral#NewEngland Rgn.Dvn.fctrMW#WestNorthCentral#NewEngland
## gCompany.fctrComerica gCompany.fctrComerica
## Rgn.Dvn.fctrSH#EastSouthCentral Rgn.Dvn.fctrSH#EastSouthCentral
## .clusterid .clusterid
## Datereceived.date.fctr(13,19] Datereceived.date.fctr(13,19]
## gSPrd.fctrPayrollcard gSPrd.fctrPayrollcard
## gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr2 gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr2
## Datereceived.month.fctr11 Datereceived.month.fctr11
## Datereceived.wkday.fctr5 Datereceived.wkday.fctr5
## Channel.fctrFax Channel.fctrFax
## Datereceived.date.fctr(25,31] Datereceived.date.fctr(25,31]
## Datereceived.month.fctr04 Datereceived.month.fctr04
## Datereceived.month.fctr09 Datereceived.month.fctr09
## Datereceived.month.fctr10 Datereceived.month.fctr10
## Datereceived.month.fctr12 Datereceived.month.fctr12
## Datereceived.wkday.fctr2 Datereceived.wkday.fctr2
## Datereceived.wkday.fctr3 Datereceived.wkday.fctr3
## Datereceived.wkday.fctr6 Datereceived.wkday.fctr6
## Datesenttocompany.date.fctr(7,13] Datesenttocompany.date.fctr(7,13]
## Datesenttocompany.date.fctr(13,19] Datesenttocompany.date.fctr(13,19]
## Datesenttocompany.date.fctr(19,25] Datesenttocompany.date.fctr(19,25]
## Datesenttocompany.date.fctr(25,31] Datesenttocompany.date.fctr(25,31]
## Datesenttocompany.juliandate Datesenttocompany.juliandate
## Datesenttocompany.last16.log1p Datesenttocompany.last16.log1p
## Datesenttocompany.last2.log1p Datesenttocompany.last2.log1p
## Datesenttocompany.last32.log1p Datesenttocompany.last32.log1p
## Datesenttocompany.last4.log1p Datesenttocompany.last4.log1p
## Datesenttocompany.last8.log1p Datesenttocompany.last8.log1p
## Datesenttocompany.month.fctr02 Datesenttocompany.month.fctr02
## Datesenttocompany.month.fctr03 Datesenttocompany.month.fctr03
## Datesenttocompany.month.fctr04 Datesenttocompany.month.fctr04
## Datesenttocompany.month.fctr05 Datesenttocompany.month.fctr05
## Datesenttocompany.month.fctr06 Datesenttocompany.month.fctr06
## Datesenttocompany.month.fctr07 Datesenttocompany.month.fctr07
## Datesenttocompany.month.fctr08 Datesenttocompany.month.fctr08
## Datesenttocompany.month.fctr09 Datesenttocompany.month.fctr09
## Datesenttocompany.month.fctr10 Datesenttocompany.month.fctr10
## Datesenttocompany.month.fctr11 Datesenttocompany.month.fctr11
## Datesenttocompany.month.fctr12 Datesenttocompany.month.fctr12
## Datesenttocompany.wkday.fctr1 Datesenttocompany.wkday.fctr1
## Datesenttocompany.wkday.fctr2 Datesenttocompany.wkday.fctr2
## Datesenttocompany.wkday.fctr3 Datesenttocompany.wkday.fctr3
## Datesenttocompany.wkday.fctr4 Datesenttocompany.wkday.fctr4
## Datesenttocompany.wkday.fctr5 Datesenttocompany.wkday.fctr5
## Datesenttocompany.wkday.fctr6 Datesenttocompany.wkday.fctr6
## Datesenttocompany.wkend Datesenttocompany.wkend
## Datesenttocompany.year.fctr2015 Datesenttocompany.year.fctr2015
## Datesenttocompany.year.fctr2016 Datesenttocompany.year.fctr2016
## Response.fctrClosed Response.fctrClosed
## Response.fctrInprogress Response.fctrInprogress
## Response.fctrUntimelyresponse Response.fctrUntimelyresponse
## Rgn.Dvn.fctrMW#EastNorthCentral Rgn.Dvn.fctrMW#EastNorthCentral
## Rgn.Dvn.fctrMW#WestNorthCentral#MidAtlantic Rgn.Dvn.fctrMW#WestNorthCentral#MidAtlantic
## Rgn.Dvn.fctrOT#Other Rgn.Dvn.fctrOT#Other
## Rgn.Dvn.fctrSH#WestSouthCentral Rgn.Dvn.fctrSH#WestSouthCentral
## Rgn.Dvn.fctrWT#Mountain Rgn.Dvn.fctrWT#Mountain
## Sent.Recd.Dys.log1p Sent.Recd.Dys.log1p
## Sent.Recd.Dys.root2 Sent.Recd.Dys.root2
## gCConsent.fctrConsentprovided gCConsent.fctrConsentprovided
## gCompany.fctrCitibank gCompany.fctrCitibank
## gCompany.fctrPayPalHoldings,Inc. gCompany.fctrPayPalHoldings,Inc.
## gSPrd.fctrVehicleloan gSPrd.fctrVehicleloan
## gSPrd.fctrCheckingaccount gSPrd.fctrCheckingaccount
## gSPrd.fctrConventionalfixedmortgage gSPrd.fctrConventionalfixedmortgage
## gSPrd.fctrOther(i.e.phone,healthclub,etc.) gSPrd.fctrOther(i.e.phone,healthclub,etc.)
## gSPrd.fctrIdonotknow gSPrd.fctrIdonotknow
## gSPrd.fctr gSPrd.fctr
## gSPrd.fctrOthermortgage gSPrd.fctrOthermortgage
## gSPrd.fctrCreditcard gSPrd.fctrCreditcard
## gSPrd.fctrConventionaladjustablemortgage(ARM) gSPrd.fctrConventionaladjustablemortgage(ARM)
## gSPrd.fctrOtherbankproduct/service gSPrd.fctrOtherbankproduct/service
## gSPrd.fctrNon-federalstudentloan gSPrd.fctrNon-federalstudentloan
## gSPrd.fctrFHAmortgage gSPrd.fctrFHAmortgage
## gSPrd.fctr(CD)Certificateofdeposit gSPrd.fctr(CD)Certificateofdeposit
## gSPrd.fctrHomeequityloanorlineofcredit gSPrd.fctrHomeequityloanorlineofcredit
## gSPrd.fctrVehiclelease gSPrd.fctrVehiclelease
## gSPrd.fctrSavingsaccount gSPrd.fctrSavingsaccount
## gSPrd.fctrFederalstudentloan gSPrd.fctrFederalstudentloan
## gSPrd.fctrMortgage gSPrd.fctrMortgage
## gSPrd.fctrReversemortgage gSPrd.fctrReversemortgage
## gSPrd.fctrAuto gSPrd.fctrAuto
## gSPrd.fctrInstallmentloan gSPrd.fctrInstallmentloan
## gSPrd.fctrMedical gSPrd.fctrMedical
## gSPrd.fctrVAmortgage gSPrd.fctrVAmortgage
## gSPrd.fctrDomestic(US)moneytransfer gSPrd.fctrDomestic(US)moneytransfer
## gSPrd.fctrInternationalmoneytransfer gSPrd.fctrInternationalmoneytransfer
## gSPrd.fctrPersonallineofcredit gSPrd.fctrPersonallineofcredit
## gSPrd.fctrSecondmortgage gSPrd.fctrSecondmortgage
## gSPrd.fctrCashingacheckwithoutanaccount gSPrd.fctrCashingacheckwithoutanaccount
## gSPrd.fctrPaydayloan gSPrd.fctrPaydayloan
## gSPrd.fctrCheckcashing gSPrd.fctrCheckcashing
## gSPrd.fctrGovernmentbenefitpaymentcard gSPrd.fctrGovernmentbenefitpaymentcard
## gSPrd.fctrTitleloan gSPrd.fctrTitleloan
## gSPrd.fctrForeigncurrencyexchange gSPrd.fctrForeigncurrencyexchange
## gSPrd.fctrRefundanticipationcheck gSPrd.fctrRefundanticipationcheck
## gSPrd.fctrDebtsettlement gSPrd.fctrDebtsettlement
## gSPrd.fctrIDprepaidcard gSPrd.fctrIDprepaidcard
## gSPrd.fctrCreditrepair gSPrd.fctrCreditrepair
## gSPrd.fctrPawnloan gSPrd.fctrPawnloan
## gSPrd.fctrMoneyorder gSPrd.fctrMoneyorder
## gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks
## gSPrd.fctrFederalstudentloanservicing gSPrd.fctrFederalstudentloanservicing
## gTags.fctrOlderAmericanServicemember gTags.fctrOlderAmericanServicemember
## gSPrd.fctrOther:.clusterid.fctr2 gSPrd.fctrOther:.clusterid.fctr2
## gSPrd.fctrVehicleloan:.clusterid.fctr2 gSPrd.fctrVehicleloan:.clusterid.fctr2
## gSPrd.fctrCheckingaccount:.clusterid.fctr2 gSPrd.fctrCheckingaccount:.clusterid.fctr2
## gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr2 gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr2
## gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr2 gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr2
## gSPrd.fctrIdonotknow:.clusterid.fctr2 gSPrd.fctrIdonotknow:.clusterid.fctr2
## gSPrd.fctr:.clusterid.fctr2 gSPrd.fctr:.clusterid.fctr2
## gSPrd.fctrOthermortgage:.clusterid.fctr2 gSPrd.fctrOthermortgage:.clusterid.fctr2
## gSPrd.fctrCreditcard:.clusterid.fctr2 gSPrd.fctrCreditcard:.clusterid.fctr2
## gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr2 gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr2
## gSPrd.fctrOtherbankproduct/service:.clusterid.fctr2 gSPrd.fctrOtherbankproduct/service:.clusterid.fctr2
## gSPrd.fctrNon-federalstudentloan:.clusterid.fctr2 gSPrd.fctrNon-federalstudentloan:.clusterid.fctr2
## gSPrd.fctrFHAmortgage:.clusterid.fctr2 gSPrd.fctrFHAmortgage:.clusterid.fctr2
## gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr2 gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr2
## gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr2 gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr2
## gSPrd.fctrVehiclelease:.clusterid.fctr2 gSPrd.fctrVehiclelease:.clusterid.fctr2
## gSPrd.fctrSavingsaccount:.clusterid.fctr2 gSPrd.fctrSavingsaccount:.clusterid.fctr2
## gSPrd.fctrFederalstudentloan:.clusterid.fctr2 gSPrd.fctrFederalstudentloan:.clusterid.fctr2
## gSPrd.fctrMortgage:.clusterid.fctr2 gSPrd.fctrMortgage:.clusterid.fctr2
## gSPrd.fctrReversemortgage:.clusterid.fctr2 gSPrd.fctrReversemortgage:.clusterid.fctr2
## gSPrd.fctrAuto:.clusterid.fctr2 gSPrd.fctrAuto:.clusterid.fctr2
## gSPrd.fctrInstallmentloan:.clusterid.fctr2 gSPrd.fctrInstallmentloan:.clusterid.fctr2
## gSPrd.fctrMedical:.clusterid.fctr2 gSPrd.fctrMedical:.clusterid.fctr2
## gSPrd.fctrVAmortgage:.clusterid.fctr2 gSPrd.fctrVAmortgage:.clusterid.fctr2
## gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr2 gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr2
## gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr2 gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr2
## gSPrd.fctrPersonallineofcredit:.clusterid.fctr2 gSPrd.fctrPersonallineofcredit:.clusterid.fctr2
## gSPrd.fctrSecondmortgage:.clusterid.fctr2 gSPrd.fctrSecondmortgage:.clusterid.fctr2
## gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr2 gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr2
## gSPrd.fctrPaydayloan:.clusterid.fctr2 gSPrd.fctrPaydayloan:.clusterid.fctr2
## gSPrd.fctrCheckcashing:.clusterid.fctr2 gSPrd.fctrCheckcashing:.clusterid.fctr2
## gSPrd.fctrMobilewallet:.clusterid.fctr2 gSPrd.fctrMobilewallet:.clusterid.fctr2
## gSPrd.fctrGiftormerchantcard:.clusterid.fctr2 gSPrd.fctrGiftormerchantcard:.clusterid.fctr2
## gSPrd.fctrGeneralpurposecard:.clusterid.fctr2 gSPrd.fctrGeneralpurposecard:.clusterid.fctr2
## gSPrd.fctrTitleloan:.clusterid.fctr2 gSPrd.fctrTitleloan:.clusterid.fctr2
## gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr2 gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr2
## gSPrd.fctrRefundanticipationcheck:.clusterid.fctr2 gSPrd.fctrRefundanticipationcheck:.clusterid.fctr2
## gSPrd.fctrDebtsettlement:.clusterid.fctr2 gSPrd.fctrDebtsettlement:.clusterid.fctr2
## gSPrd.fctrPayrollcard:.clusterid.fctr2 gSPrd.fctrPayrollcard:.clusterid.fctr2
## gSPrd.fctrIDprepaidcard:.clusterid.fctr2 gSPrd.fctrIDprepaidcard:.clusterid.fctr2
## gSPrd.fctrCreditrepair:.clusterid.fctr2 gSPrd.fctrCreditrepair:.clusterid.fctr2
## gSPrd.fctrPawnloan:.clusterid.fctr2 gSPrd.fctrPawnloan:.clusterid.fctr2
## gSPrd.fctrMoneyorder:.clusterid.fctr2 gSPrd.fctrMoneyorder:.clusterid.fctr2
## gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks:.clusterid.fctr2 gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks:.clusterid.fctr2
## gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr2 gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr2
## gSPrd.fctrOther:.clusterid.fctr3 gSPrd.fctrOther:.clusterid.fctr3
## gSPrd.fctrVehicleloan:.clusterid.fctr3 gSPrd.fctrVehicleloan:.clusterid.fctr3
## gSPrd.fctrCheckingaccount:.clusterid.fctr3 gSPrd.fctrCheckingaccount:.clusterid.fctr3
## gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr3 gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr3
## gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr3 gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr3
## gSPrd.fctrIdonotknow:.clusterid.fctr3 gSPrd.fctrIdonotknow:.clusterid.fctr3
## gSPrd.fctr:.clusterid.fctr3 gSPrd.fctr:.clusterid.fctr3
## gSPrd.fctrOthermortgage:.clusterid.fctr3 gSPrd.fctrOthermortgage:.clusterid.fctr3
## gSPrd.fctrCreditcard:.clusterid.fctr3 gSPrd.fctrCreditcard:.clusterid.fctr3
## gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr3 gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr3
## gSPrd.fctrOtherbankproduct/service:.clusterid.fctr3 gSPrd.fctrOtherbankproduct/service:.clusterid.fctr3
## gSPrd.fctrNon-federalstudentloan:.clusterid.fctr3 gSPrd.fctrNon-federalstudentloan:.clusterid.fctr3
## gSPrd.fctrFHAmortgage:.clusterid.fctr3 gSPrd.fctrFHAmortgage:.clusterid.fctr3
## gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr3 gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr3
## gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr3 gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr3
## gSPrd.fctrVehiclelease:.clusterid.fctr3 gSPrd.fctrVehiclelease:.clusterid.fctr3
## gSPrd.fctrSavingsaccount:.clusterid.fctr3 gSPrd.fctrSavingsaccount:.clusterid.fctr3
## gSPrd.fctrFederalstudentloan:.clusterid.fctr3 gSPrd.fctrFederalstudentloan:.clusterid.fctr3
## gSPrd.fctrMortgage:.clusterid.fctr3 gSPrd.fctrMortgage:.clusterid.fctr3
## gSPrd.fctrReversemortgage:.clusterid.fctr3 gSPrd.fctrReversemortgage:.clusterid.fctr3
## gSPrd.fctrAuto:.clusterid.fctr3 gSPrd.fctrAuto:.clusterid.fctr3
## gSPrd.fctrInstallmentloan:.clusterid.fctr3 gSPrd.fctrInstallmentloan:.clusterid.fctr3
## gSPrd.fctrMedical:.clusterid.fctr3 gSPrd.fctrMedical:.clusterid.fctr3
## gSPrd.fctrVAmortgage:.clusterid.fctr3 gSPrd.fctrVAmortgage:.clusterid.fctr3
## gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr3 gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr3
## gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr3 gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr3
## gSPrd.fctrPersonallineofcredit:.clusterid.fctr3 gSPrd.fctrPersonallineofcredit:.clusterid.fctr3
## gSPrd.fctrSecondmortgage:.clusterid.fctr3 gSPrd.fctrSecondmortgage:.clusterid.fctr3
## gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr3 gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr3
## gSPrd.fctrPaydayloan:.clusterid.fctr3 gSPrd.fctrPaydayloan:.clusterid.fctr3
## gSPrd.fctrCheckcashing:.clusterid.fctr3 gSPrd.fctrCheckcashing:.clusterid.fctr3
## gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr3 gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr3
## gSPrd.fctrGiftormerchantcard:.clusterid.fctr3 gSPrd.fctrGiftormerchantcard:.clusterid.fctr3
## gSPrd.fctrTitleloan:.clusterid.fctr3 gSPrd.fctrTitleloan:.clusterid.fctr3
## gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr3 gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr3
## gSPrd.fctrRefundanticipationcheck:.clusterid.fctr3 gSPrd.fctrRefundanticipationcheck:.clusterid.fctr3
## gSPrd.fctrDebtsettlement:.clusterid.fctr3 gSPrd.fctrDebtsettlement:.clusterid.fctr3
## gSPrd.fctrPayrollcard:.clusterid.fctr3 gSPrd.fctrPayrollcard:.clusterid.fctr3
## gSPrd.fctrIDprepaidcard:.clusterid.fctr3 gSPrd.fctrIDprepaidcard:.clusterid.fctr3
## gSPrd.fctrCreditrepair:.clusterid.fctr3 gSPrd.fctrCreditrepair:.clusterid.fctr3
## gSPrd.fctrPawnloan:.clusterid.fctr3 gSPrd.fctrPawnloan:.clusterid.fctr3
## gSPrd.fctrMoneyorder:.clusterid.fctr3 gSPrd.fctrMoneyorder:.clusterid.fctr3
## gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks:.clusterid.fctr3 gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks:.clusterid.fctr3
## gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr3 gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr3
## gSPrd.fctrOther:.clusterid.fctr4 gSPrd.fctrOther:.clusterid.fctr4
## gSPrd.fctrVehicleloan:.clusterid.fctr4 gSPrd.fctrVehicleloan:.clusterid.fctr4
## gSPrd.fctrCheckingaccount:.clusterid.fctr4 gSPrd.fctrCheckingaccount:.clusterid.fctr4
## gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr4 gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr4
## gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr4 gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr4
## gSPrd.fctrIdonotknow:.clusterid.fctr4 gSPrd.fctrIdonotknow:.clusterid.fctr4
## gSPrd.fctr:.clusterid.fctr4 gSPrd.fctr:.clusterid.fctr4
## gSPrd.fctrOthermortgage:.clusterid.fctr4 gSPrd.fctrOthermortgage:.clusterid.fctr4
## gSPrd.fctrCreditcard:.clusterid.fctr4 gSPrd.fctrCreditcard:.clusterid.fctr4
## gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr4 gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr4
## gSPrd.fctrOtherbankproduct/service:.clusterid.fctr4 gSPrd.fctrOtherbankproduct/service:.clusterid.fctr4
## gSPrd.fctrNon-federalstudentloan:.clusterid.fctr4 gSPrd.fctrNon-federalstudentloan:.clusterid.fctr4
## gSPrd.fctrFHAmortgage:.clusterid.fctr4 gSPrd.fctrFHAmortgage:.clusterid.fctr4
## gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr4 gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr4
## gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr4 gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr4
## gSPrd.fctrVehiclelease:.clusterid.fctr4 gSPrd.fctrVehiclelease:.clusterid.fctr4
## gSPrd.fctrSavingsaccount:.clusterid.fctr4 gSPrd.fctrSavingsaccount:.clusterid.fctr4
## gSPrd.fctrFederalstudentloan:.clusterid.fctr4 gSPrd.fctrFederalstudentloan:.clusterid.fctr4
## gSPrd.fctrMortgage:.clusterid.fctr4 gSPrd.fctrMortgage:.clusterid.fctr4
## gSPrd.fctrReversemortgage:.clusterid.fctr4 gSPrd.fctrReversemortgage:.clusterid.fctr4
## gSPrd.fctrAuto:.clusterid.fctr4 gSPrd.fctrAuto:.clusterid.fctr4
## gSPrd.fctrInstallmentloan:.clusterid.fctr4 gSPrd.fctrInstallmentloan:.clusterid.fctr4
## gSPrd.fctrMedical:.clusterid.fctr4 gSPrd.fctrMedical:.clusterid.fctr4
## gSPrd.fctrVAmortgage:.clusterid.fctr4 gSPrd.fctrVAmortgage:.clusterid.fctr4
## gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr4 gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr4
## gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr4 gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr4
## gSPrd.fctrPersonallineofcredit:.clusterid.fctr4 gSPrd.fctrPersonallineofcredit:.clusterid.fctr4
## gSPrd.fctrSecondmortgage:.clusterid.fctr4 gSPrd.fctrSecondmortgage:.clusterid.fctr4
## gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr4 gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr4
## gSPrd.fctrPaydayloan:.clusterid.fctr4 gSPrd.fctrPaydayloan:.clusterid.fctr4
## gSPrd.fctrCheckcashing:.clusterid.fctr4 gSPrd.fctrCheckcashing:.clusterid.fctr4
## gSPrd.fctrMobilewallet:.clusterid.fctr4 gSPrd.fctrMobilewallet:.clusterid.fctr4
## gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr4 gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr4
## gSPrd.fctrGiftormerchantcard:.clusterid.fctr4 gSPrd.fctrGiftormerchantcard:.clusterid.fctr4
## gSPrd.fctrGeneralpurposecard:.clusterid.fctr4 gSPrd.fctrGeneralpurposecard:.clusterid.fctr4
## gSPrd.fctrTitleloan:.clusterid.fctr4 gSPrd.fctrTitleloan:.clusterid.fctr4
## gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr4 gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr4
## gSPrd.fctrRefundanticipationcheck:.clusterid.fctr4 gSPrd.fctrRefundanticipationcheck:.clusterid.fctr4
## gSPrd.fctrDebtsettlement:.clusterid.fctr4 gSPrd.fctrDebtsettlement:.clusterid.fctr4
## gSPrd.fctrPayrollcard:.clusterid.fctr4 gSPrd.fctrPayrollcard:.clusterid.fctr4
## gSPrd.fctrIDprepaidcard:.clusterid.fctr4 gSPrd.fctrIDprepaidcard:.clusterid.fctr4
## gSPrd.fctrCreditrepair:.clusterid.fctr4 gSPrd.fctrCreditrepair:.clusterid.fctr4
## gSPrd.fctrPawnloan:.clusterid.fctr4 gSPrd.fctrPawnloan:.clusterid.fctr4
## gSPrd.fctrMoneyorder:.clusterid.fctr4 gSPrd.fctrMoneyorder:.clusterid.fctr4
## gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks:.clusterid.fctr4 gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks:.clusterid.fctr4
## gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr4 gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr4
## rel.inf
## Datereceived.last32.log1p 12.0813181
## Datereceived.juliandate 10.8062703
## .rnorm 9.9432215
## gCompany.fctrAmex 6.2723642
## Response.fctrClosedwithmonetaryrelief 6.0934757
## Datereceived.last2.log1p 4.6720804
## Datereceived.last16.log1p 4.5443144
## Response.fctrClosedwithnon-monetaryrelief 3.8103334
## Datereceived.month.fctr05 3.7951221
## Datereceived.last4.log1p 3.3176112
## gCompany.fctrNetSpendCorporation,aTSYSCompany 2.5255388
## Datereceived.year.fctr2016 2.5189883
## Sent.Recd.Dys.nexp 2.4988370
## gCompany.fctrBlackhawkNetworkHoldingsInc. 1.9181575
## Sent.Recd.Dys 1.8077052
## Channel.fctrPhone 1.7562150
## Rgn.Dvn.fctrWT#Pacific 1.4247874
## gCompany.fctrOther 1.3340080
## gSPrd.fctrGeneralpurposecard 1.1987168
## Datereceived.wkend 1.1612864
## Datereceived.date.fctr(19,25] 1.0867695
## gTags.fctrServicemember 1.0741658
## Datereceived.wkday.fctr1 1.0355601
## Datereceived.year.fctr2015 1.0323649
## gCConsent.fctrOther 1.0025328
## gCConsent.fctrConsentnotprovided 0.8338245
## Datereceived.wkday.fctr4 0.8020468
## gTags.fctrOlderAmerican 0.7580958
## Datereceived.month.fctr08 0.6876998
## gSPrd.fctrGeneralpurposecard:.clusterid.fctr3 0.6575175
## Datereceived.month.fctr06 0.6036871
## gSPrd.fctrMobilewallet 0.5309015
## Channel.fctrReferral 0.5080330
## Rgn.Dvn.fctrMW#WestNorthCentral 0.4663614
## Channel.fctrPostalmail 0.4656484
## gSPrd.fctrMobilewallet:.clusterid.fctr3 0.4434833
## gSPrd.fctrGiftormerchantcard 0.4382774
## Datereceived.date.fctr(7,13] 0.3813749
## Datereceived.month.fctr03 0.3670612
## Datereceived.month.fctr02 0.3393461
## Datereceived.last8.log1p 0.3375075
## gCompany.fctrU.S.Bancorp 0.3311003
## Datereceived.month.fctr07 0.3221097
## Rgn.Dvn.fctrMW#WestNorthCentral#NewEngland 0.3086314
## gCompany.fctrComerica 0.2712452
## Rgn.Dvn.fctrSH#EastSouthCentral 0.2637849
## .clusterid 0.2495385
## Datereceived.date.fctr(13,19] 0.2090720
## gSPrd.fctrPayrollcard 0.1922940
## gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr2 0.1816395
## Datereceived.month.fctr11 0.1772361
## Datereceived.wkday.fctr5 0.1607373
## Channel.fctrFax 0.0000000
## Datereceived.date.fctr(25,31] 0.0000000
## Datereceived.month.fctr04 0.0000000
## Datereceived.month.fctr09 0.0000000
## Datereceived.month.fctr10 0.0000000
## Datereceived.month.fctr12 0.0000000
## Datereceived.wkday.fctr2 0.0000000
## Datereceived.wkday.fctr3 0.0000000
## Datereceived.wkday.fctr6 0.0000000
## Datesenttocompany.date.fctr(7,13] 0.0000000
## Datesenttocompany.date.fctr(13,19] 0.0000000
## Datesenttocompany.date.fctr(19,25] 0.0000000
## Datesenttocompany.date.fctr(25,31] 0.0000000
## Datesenttocompany.juliandate 0.0000000
## Datesenttocompany.last16.log1p 0.0000000
## Datesenttocompany.last2.log1p 0.0000000
## Datesenttocompany.last32.log1p 0.0000000
## Datesenttocompany.last4.log1p 0.0000000
## Datesenttocompany.last8.log1p 0.0000000
## Datesenttocompany.month.fctr02 0.0000000
## Datesenttocompany.month.fctr03 0.0000000
## Datesenttocompany.month.fctr04 0.0000000
## Datesenttocompany.month.fctr05 0.0000000
## Datesenttocompany.month.fctr06 0.0000000
## Datesenttocompany.month.fctr07 0.0000000
## Datesenttocompany.month.fctr08 0.0000000
## Datesenttocompany.month.fctr09 0.0000000
## Datesenttocompany.month.fctr10 0.0000000
## Datesenttocompany.month.fctr11 0.0000000
## Datesenttocompany.month.fctr12 0.0000000
## Datesenttocompany.wkday.fctr1 0.0000000
## Datesenttocompany.wkday.fctr2 0.0000000
## Datesenttocompany.wkday.fctr3 0.0000000
## Datesenttocompany.wkday.fctr4 0.0000000
## Datesenttocompany.wkday.fctr5 0.0000000
## Datesenttocompany.wkday.fctr6 0.0000000
## Datesenttocompany.wkend 0.0000000
## Datesenttocompany.year.fctr2015 0.0000000
## Datesenttocompany.year.fctr2016 0.0000000
## Response.fctrClosed 0.0000000
## Response.fctrInprogress 0.0000000
## Response.fctrUntimelyresponse 0.0000000
## Rgn.Dvn.fctrMW#EastNorthCentral 0.0000000
## Rgn.Dvn.fctrMW#WestNorthCentral#MidAtlantic 0.0000000
## Rgn.Dvn.fctrOT#Other 0.0000000
## Rgn.Dvn.fctrSH#WestSouthCentral 0.0000000
## Rgn.Dvn.fctrWT#Mountain 0.0000000
## Sent.Recd.Dys.log1p 0.0000000
## Sent.Recd.Dys.root2 0.0000000
## gCConsent.fctrConsentprovided 0.0000000
## gCompany.fctrCitibank 0.0000000
## gCompany.fctrPayPalHoldings,Inc. 0.0000000
## gSPrd.fctrVehicleloan 0.0000000
## gSPrd.fctrCheckingaccount 0.0000000
## gSPrd.fctrConventionalfixedmortgage 0.0000000
## gSPrd.fctrOther(i.e.phone,healthclub,etc.) 0.0000000
## gSPrd.fctrIdonotknow 0.0000000
## gSPrd.fctr 0.0000000
## gSPrd.fctrOthermortgage 0.0000000
## gSPrd.fctrCreditcard 0.0000000
## gSPrd.fctrConventionaladjustablemortgage(ARM) 0.0000000
## gSPrd.fctrOtherbankproduct/service 0.0000000
## gSPrd.fctrNon-federalstudentloan 0.0000000
## gSPrd.fctrFHAmortgage 0.0000000
## gSPrd.fctr(CD)Certificateofdeposit 0.0000000
## gSPrd.fctrHomeequityloanorlineofcredit 0.0000000
## gSPrd.fctrVehiclelease 0.0000000
## gSPrd.fctrSavingsaccount 0.0000000
## gSPrd.fctrFederalstudentloan 0.0000000
## gSPrd.fctrMortgage 0.0000000
## gSPrd.fctrReversemortgage 0.0000000
## gSPrd.fctrAuto 0.0000000
## gSPrd.fctrInstallmentloan 0.0000000
## gSPrd.fctrMedical 0.0000000
## gSPrd.fctrVAmortgage 0.0000000
## gSPrd.fctrDomestic(US)moneytransfer 0.0000000
## gSPrd.fctrInternationalmoneytransfer 0.0000000
## gSPrd.fctrPersonallineofcredit 0.0000000
## gSPrd.fctrSecondmortgage 0.0000000
## gSPrd.fctrCashingacheckwithoutanaccount 0.0000000
## gSPrd.fctrPaydayloan 0.0000000
## gSPrd.fctrCheckcashing 0.0000000
## gSPrd.fctrGovernmentbenefitpaymentcard 0.0000000
## gSPrd.fctrTitleloan 0.0000000
## gSPrd.fctrForeigncurrencyexchange 0.0000000
## gSPrd.fctrRefundanticipationcheck 0.0000000
## gSPrd.fctrDebtsettlement 0.0000000
## gSPrd.fctrIDprepaidcard 0.0000000
## gSPrd.fctrCreditrepair 0.0000000
## gSPrd.fctrPawnloan 0.0000000
## gSPrd.fctrMoneyorder 0.0000000
## gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks 0.0000000
## gSPrd.fctrFederalstudentloanservicing 0.0000000
## gTags.fctrOlderAmericanServicemember 0.0000000
## gSPrd.fctrOther:.clusterid.fctr2 0.0000000
## gSPrd.fctrVehicleloan:.clusterid.fctr2 0.0000000
## gSPrd.fctrCheckingaccount:.clusterid.fctr2 0.0000000
## gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr2 0.0000000
## gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr2 0.0000000
## gSPrd.fctrIdonotknow:.clusterid.fctr2 0.0000000
## gSPrd.fctr:.clusterid.fctr2 0.0000000
## gSPrd.fctrOthermortgage:.clusterid.fctr2 0.0000000
## gSPrd.fctrCreditcard:.clusterid.fctr2 0.0000000
## gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr2 0.0000000
## gSPrd.fctrOtherbankproduct/service:.clusterid.fctr2 0.0000000
## gSPrd.fctrNon-federalstudentloan:.clusterid.fctr2 0.0000000
## gSPrd.fctrFHAmortgage:.clusterid.fctr2 0.0000000
## gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr2 0.0000000
## gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr2 0.0000000
## gSPrd.fctrVehiclelease:.clusterid.fctr2 0.0000000
## gSPrd.fctrSavingsaccount:.clusterid.fctr2 0.0000000
## gSPrd.fctrFederalstudentloan:.clusterid.fctr2 0.0000000
## gSPrd.fctrMortgage:.clusterid.fctr2 0.0000000
## gSPrd.fctrReversemortgage:.clusterid.fctr2 0.0000000
## gSPrd.fctrAuto:.clusterid.fctr2 0.0000000
## gSPrd.fctrInstallmentloan:.clusterid.fctr2 0.0000000
## gSPrd.fctrMedical:.clusterid.fctr2 0.0000000
## gSPrd.fctrVAmortgage:.clusterid.fctr2 0.0000000
## gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr2 0.0000000
## gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr2 0.0000000
## gSPrd.fctrPersonallineofcredit:.clusterid.fctr2 0.0000000
## gSPrd.fctrSecondmortgage:.clusterid.fctr2 0.0000000
## gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr2 0.0000000
## gSPrd.fctrPaydayloan:.clusterid.fctr2 0.0000000
## gSPrd.fctrCheckcashing:.clusterid.fctr2 0.0000000
## gSPrd.fctrMobilewallet:.clusterid.fctr2 0.0000000
## gSPrd.fctrGiftormerchantcard:.clusterid.fctr2 0.0000000
## gSPrd.fctrGeneralpurposecard:.clusterid.fctr2 0.0000000
## gSPrd.fctrTitleloan:.clusterid.fctr2 0.0000000
## gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr2 0.0000000
## gSPrd.fctrRefundanticipationcheck:.clusterid.fctr2 0.0000000
## gSPrd.fctrDebtsettlement:.clusterid.fctr2 0.0000000
## gSPrd.fctrPayrollcard:.clusterid.fctr2 0.0000000
## gSPrd.fctrIDprepaidcard:.clusterid.fctr2 0.0000000
## gSPrd.fctrCreditrepair:.clusterid.fctr2 0.0000000
## gSPrd.fctrPawnloan:.clusterid.fctr2 0.0000000
## gSPrd.fctrMoneyorder:.clusterid.fctr2 0.0000000
## gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks:.clusterid.fctr2 0.0000000
## gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr2 0.0000000
## gSPrd.fctrOther:.clusterid.fctr3 0.0000000
## gSPrd.fctrVehicleloan:.clusterid.fctr3 0.0000000
## gSPrd.fctrCheckingaccount:.clusterid.fctr3 0.0000000
## gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr3 0.0000000
## gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr3 0.0000000
## gSPrd.fctrIdonotknow:.clusterid.fctr3 0.0000000
## gSPrd.fctr:.clusterid.fctr3 0.0000000
## gSPrd.fctrOthermortgage:.clusterid.fctr3 0.0000000
## gSPrd.fctrCreditcard:.clusterid.fctr3 0.0000000
## gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr3 0.0000000
## gSPrd.fctrOtherbankproduct/service:.clusterid.fctr3 0.0000000
## gSPrd.fctrNon-federalstudentloan:.clusterid.fctr3 0.0000000
## gSPrd.fctrFHAmortgage:.clusterid.fctr3 0.0000000
## gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr3 0.0000000
## gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr3 0.0000000
## gSPrd.fctrVehiclelease:.clusterid.fctr3 0.0000000
## gSPrd.fctrSavingsaccount:.clusterid.fctr3 0.0000000
## gSPrd.fctrFederalstudentloan:.clusterid.fctr3 0.0000000
## gSPrd.fctrMortgage:.clusterid.fctr3 0.0000000
## gSPrd.fctrReversemortgage:.clusterid.fctr3 0.0000000
## gSPrd.fctrAuto:.clusterid.fctr3 0.0000000
## gSPrd.fctrInstallmentloan:.clusterid.fctr3 0.0000000
## gSPrd.fctrMedical:.clusterid.fctr3 0.0000000
## gSPrd.fctrVAmortgage:.clusterid.fctr3 0.0000000
## gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr3 0.0000000
## gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr3 0.0000000
## gSPrd.fctrPersonallineofcredit:.clusterid.fctr3 0.0000000
## gSPrd.fctrSecondmortgage:.clusterid.fctr3 0.0000000
## gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr3 0.0000000
## gSPrd.fctrPaydayloan:.clusterid.fctr3 0.0000000
## gSPrd.fctrCheckcashing:.clusterid.fctr3 0.0000000
## gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr3 0.0000000
## gSPrd.fctrGiftormerchantcard:.clusterid.fctr3 0.0000000
## gSPrd.fctrTitleloan:.clusterid.fctr3 0.0000000
## gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr3 0.0000000
## gSPrd.fctrRefundanticipationcheck:.clusterid.fctr3 0.0000000
## gSPrd.fctrDebtsettlement:.clusterid.fctr3 0.0000000
## gSPrd.fctrPayrollcard:.clusterid.fctr3 0.0000000
## gSPrd.fctrIDprepaidcard:.clusterid.fctr3 0.0000000
## gSPrd.fctrCreditrepair:.clusterid.fctr3 0.0000000
## gSPrd.fctrPawnloan:.clusterid.fctr3 0.0000000
## gSPrd.fctrMoneyorder:.clusterid.fctr3 0.0000000
## gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks:.clusterid.fctr3 0.0000000
## gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr3 0.0000000
## gSPrd.fctrOther:.clusterid.fctr4 0.0000000
## gSPrd.fctrVehicleloan:.clusterid.fctr4 0.0000000
## gSPrd.fctrCheckingaccount:.clusterid.fctr4 0.0000000
## gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr4 0.0000000
## gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr4 0.0000000
## gSPrd.fctrIdonotknow:.clusterid.fctr4 0.0000000
## gSPrd.fctr:.clusterid.fctr4 0.0000000
## gSPrd.fctrOthermortgage:.clusterid.fctr4 0.0000000
## gSPrd.fctrCreditcard:.clusterid.fctr4 0.0000000
## gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr4 0.0000000
## gSPrd.fctrOtherbankproduct/service:.clusterid.fctr4 0.0000000
## gSPrd.fctrNon-federalstudentloan:.clusterid.fctr4 0.0000000
## gSPrd.fctrFHAmortgage:.clusterid.fctr4 0.0000000
## gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr4 0.0000000
## gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr4 0.0000000
## gSPrd.fctrVehiclelease:.clusterid.fctr4 0.0000000
## gSPrd.fctrSavingsaccount:.clusterid.fctr4 0.0000000
## gSPrd.fctrFederalstudentloan:.clusterid.fctr4 0.0000000
## gSPrd.fctrMortgage:.clusterid.fctr4 0.0000000
## gSPrd.fctrReversemortgage:.clusterid.fctr4 0.0000000
## gSPrd.fctrAuto:.clusterid.fctr4 0.0000000
## gSPrd.fctrInstallmentloan:.clusterid.fctr4 0.0000000
## gSPrd.fctrMedical:.clusterid.fctr4 0.0000000
## gSPrd.fctrVAmortgage:.clusterid.fctr4 0.0000000
## gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr4 0.0000000
## gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr4 0.0000000
## gSPrd.fctrPersonallineofcredit:.clusterid.fctr4 0.0000000
## gSPrd.fctrSecondmortgage:.clusterid.fctr4 0.0000000
## gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr4 0.0000000
## gSPrd.fctrPaydayloan:.clusterid.fctr4 0.0000000
## gSPrd.fctrCheckcashing:.clusterid.fctr4 0.0000000
## gSPrd.fctrMobilewallet:.clusterid.fctr4 0.0000000
## gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr4 0.0000000
## gSPrd.fctrGiftormerchantcard:.clusterid.fctr4 0.0000000
## gSPrd.fctrGeneralpurposecard:.clusterid.fctr4 0.0000000
## gSPrd.fctrTitleloan:.clusterid.fctr4 0.0000000
## gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr4 0.0000000
## gSPrd.fctrRefundanticipationcheck:.clusterid.fctr4 0.0000000
## gSPrd.fctrDebtsettlement:.clusterid.fctr4 0.0000000
## gSPrd.fctrPayrollcard:.clusterid.fctr4 0.0000000
## gSPrd.fctrIDprepaidcard:.clusterid.fctr4 0.0000000
## gSPrd.fctrCreditrepair:.clusterid.fctr4 0.0000000
## gSPrd.fctrPawnloan:.clusterid.fctr4 0.0000000
## gSPrd.fctrMoneyorder:.clusterid.fctr4 0.0000000
## gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks:.clusterid.fctr4 0.0000000
## gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr4 0.0000000
## [1] "myfit_mdl: train diagnostics complete: 107.339000 secs"
## Prediction
## Reference N Y
## N 932 286
## Y 108 329
## Accuracy Kappa AccuracyLower AccuracyUpper AccuracyNull
## 7.619335e-01 4.582111e-01 7.406583e-01 7.822756e-01 7.359517e-01
## AccuracyPValue McnemarPValue
## 8.394006e-03 4.785228e-19
## [1] "myfit_mdl: predict complete: 110.384000 secs"
## id
## 1 Trn.All.X##rcv#gbm
## feats
## 1 Datereceived.last8.log1p,Datesenttocompany.last8.log1p,Datereceived.last4.log1p,Datesenttocompany.last4.log1p,Datereceived.last2.log1p,Datesenttocompany.last2.log1p,Datereceived.last16.log1p,Datesenttocompany.last16.log1p,Datereceived.last32.log1p,Datesenttocompany.last32.log1p,gCompany.fctr,gTags.fctr,Sent.Recd.Dys.nexp,Rgn.Dvn.fctr,Datereceived.year.fctr,Datesenttocompany.year.fctr,Datereceived.wkday.fctr,Datesenttocompany.wkday.fctr,gCConsent.fctr,.rnorm,Datereceived.wkend,Datesenttocompany.wkend,Channel.fctr,gSPrd.fctr,.clusterid,Datereceived.month.fctr,Datesenttocompany.month.fctr,Datereceived.juliandate,Datesenttocompany.juliandate,Datereceived.date.fctr,Datesenttocompany.date.fctr,Sent.Recd.Dys,Sent.Recd.Dys.root2,Sent.Recd.Dys.log1p,Response.fctr,gSPrd.fctr:.clusterid.fctr
## max.nTuningRuns min.elapsedtime.everything min.elapsedtime.final
## 1 25 106.25 1.604
## max.AUCpROC.fit max.Sens.fit max.Spec.fit max.AUCROCR.fit
## 1 0.6454921 0.9729064 0.3180778 0.8376535
## opt.prob.threshold.fit max.f.score.fit max.Accuracy.fit
## 1 0.3 0.6254753 0.7557051
## max.AccuracyLower.fit max.AccuracyUpper.fit max.Kappa.fit
## 1 0.7406583 0.7822756 0.2101723
## min.log.loss.mean.fit max.AccuracySD.fit max.KappaSD.fit
## 1 0.4396345 0.02395389 0.08216857
## [1] "myfit_mdl: exit: 110.403000 secs"## label step_major step_minor label_minor bgn end
## 6 fit.data.training 3 0 0 357.211 474.422
## 7 fit.data.training 3 1 1 474.423 NA
## elapsed
## 6 117.211
## 7 NA#stop(here"); glb2Sav()
if (glb_is_classification && glb_is_binomial)
prob_threshold <- glb_models_df[glb_models_df$id == glbMdlSltId,
"opt.prob.threshold.OOB"] else
prob_threshold <- NULL
if (grepl("Ensemble", glbMdlFnlNslId)) {
# Get predictions for each model in ensemble; Outliers that have been moved to OOB might not have been predicted yet
mdlEnsembleComps <- unlist(str_split(subset(glb_models_df,
id == glbMdlFnlNslId)$feats, ","))
if (glb_is_classification)
# mdlEnsembleComps <- gsub("\\.prob$", "", mdlEnsembleComps)
# mdlEnsembleComps <- gsub(paste0("^",
# gsub(".", "\\.", mygetPredictIds(glb_rsp_var)$value, fixed = TRUE)),
# "", mdlEnsembleComps)
mdlEnsembleComps <- glb_models_df$id[sapply(glb_models_df$id, function(thsMdlId)
mygetPredictIds(glb_rsp_var, thsMdlId)$prob %in% mdlEnsembleComps)] else
mdlEnsembleComps <- glb_models_df$id[sapply(glb_models_df$id, function(thsMdlId)
mygetPredictIds(glb_rsp_var, thsMdlId)$value %in% mdlEnsembleComps)]
for (mdl_id in mdlEnsembleComps) {
glbObsTrn <- glb_get_predictions(df = glbObsTrn, mdl_id = mdl_id,
rsp_var = glb_rsp_var,
prob_threshold_def = prob_threshold)
glbObsNew <- glb_get_predictions(df = glbObsNew, mdl_id = mdl_id,
rsp_var = glb_rsp_var,
prob_threshold_def = prob_threshold)
# glbMdlFnlNsl uses the same coefficients as glbMdlSlt,
# so copy the "Final" columns into "non-Final" columns
glbObsTrn[, gsub("Trn.", "", unlist(mygetPredictIds(glb_rsp_var, mdl_id)))] <-
glbObsTrn[, unlist(mygetPredictIds(glb_rsp_var, mdl_id))]
glbObsNew[, gsub("Trn.", "", unlist(mygetPredictIds(glb_rsp_var, mdl_id)))] <-
glbObsNew[, unlist(mygetPredictIds(glb_rsp_var, mdl_id))]
}
}
glbObsTrn <- glb_get_predictions(df = glbObsTrn, mdl_id = glbMdlFnlNslId,
rsp_var = glb_rsp_var,
prob_threshold_def = prob_threshold)## Warning in glb_get_predictions(df = glbObsTrn, mdl_id = glbMdlFnlNslId, :
## Using default probability threshold: 0.3glb_featsimp_df <- myget_feats_importance(mdl=glbMdlFnlNsl,
featsimp_df=glb_featsimp_df)
#glb_featsimp_df[, paste0(glbMdlFnlNslId, ".imp")] <- glb_featsimp_df$imp
print(glb_featsimp_df)## All.X..rcv.gbm.imp
## Datereceived.juliandate 100.000000
## Datereceived.last32.log1p 89.499546
## Datereceived.last16.log1p 39.759143
## .rnorm 85.888443
## Response.fctrClosedwithmonetaryrelief 64.739648
## gCompany.fctrAmex 64.265558
## Datereceived.last2.log1p 36.863393
## Datereceived.year.fctr2016 22.059658
## Response.fctrClosedwithnon-monetaryrelief 14.692593
## Datereceived.month.fctr05 10.084853
## gCompany.fctrNetSpendCorporation,aTSYSCompany 12.027730
## Sent.Recd.Dys 26.340257
## Datereceived.last8.log1p 19.531202
## Rgn.Dvn.fctrWT#Pacific 11.900394
## gTags.fctrServicemember 13.615337
## Datereceived.last4.log1p 36.008294
## gCompany.fctrBlackhawkNetworkHoldingsInc. 0.000000
## Channel.fctrPhone 17.017423
## gCompany.fctrCitibank 12.575585
## gSPrd.fctrMobilewallet:.clusterid.fctr3 5.306182
## Datereceived.year.fctr2015 3.703128
## Sent.Recd.Dys.nexp 17.994161
## gSPrd.fctrGeneralpurposecard:.clusterid.fctr3 5.275194
## Datereceived.date.fctr(19,25] 0.000000
## Datereceived.month.fctr06 11.085285
## gSPrd.fctrGiftormerchantcard 2.896061
## Channel.fctrReferral 10.235198
## Datereceived.wkend 17.612585
## Datereceived.month.fctr07 26.272074
## gTags.fctrOlderAmerican 0.000000
## Datereceived.month.fctr03 1.577557
## gCConsent.fctrOther 3.215218
## gSPrd.fctrMobilewallet 10.573221
## Datereceived.month.fctr08 4.283281
## gCompany.fctrOther 3.790506
## Rgn.Dvn.fctrSH#EastSouthCentral 0.000000
## Datereceived.month.fctr04 0.000000
## Rgn.Dvn.fctrMW#EastNorthCentral 9.479323
## gSPrd.fctrOther:.clusterid.fctr3 0.000000
## Datereceived.date.fctr(25,31] 0.000000
## gCConsent.fctrConsentnotprovided 0.000000
## Datereceived.month.fctr09 10.961811
## Datereceived.date.fctr(7,13] 0.000000
## .clusterid 0.000000
## gSPrd.fctrGeneralpurposecard 4.571458
## gSPrd.fctrOther:.clusterid.fctr2 6.442215
## Datereceived.wkday.fctr4 2.468843
## Datereceived.wkday.fctr1 0.000000
## Channel.fctrPostalmail 0.000000
## Channel.fctrFax 0.000000
## Datereceived.date.fctr(13,19] 0.000000
## Datereceived.month.fctr02 0.000000
## Datereceived.month.fctr10 0.000000
## Datereceived.month.fctr11 0.000000
## Datereceived.month.fctr12 0.000000
## Datereceived.wkday.fctr2 0.000000
## Datereceived.wkday.fctr3 0.000000
## Datereceived.wkday.fctr5 0.000000
## Datereceived.wkday.fctr6 0.000000
## Datesenttocompany.date.fctr(13,19] 0.000000
## Datesenttocompany.date.fctr(19,25] 0.000000
## Datesenttocompany.date.fctr(25,31] 0.000000
## Datesenttocompany.date.fctr(7,13] 0.000000
## Datesenttocompany.juliandate 0.000000
## Datesenttocompany.last16.log1p 0.000000
## Datesenttocompany.last2.log1p 0.000000
## Datesenttocompany.last32.log1p 0.000000
## Datesenttocompany.last4.log1p 0.000000
## Datesenttocompany.last8.log1p 0.000000
## Datesenttocompany.month.fctr02 0.000000
## Datesenttocompany.month.fctr03 0.000000
## Datesenttocompany.month.fctr04 0.000000
## Datesenttocompany.month.fctr05 0.000000
## Datesenttocompany.month.fctr06 0.000000
## Datesenttocompany.month.fctr07 0.000000
## Datesenttocompany.month.fctr08 0.000000
## Datesenttocompany.month.fctr09 0.000000
## Datesenttocompany.month.fctr10 0.000000
## Datesenttocompany.month.fctr11 0.000000
## Datesenttocompany.month.fctr12 0.000000
## Datesenttocompany.wkday.fctr1 0.000000
## Datesenttocompany.wkday.fctr2 0.000000
## Datesenttocompany.wkday.fctr3 0.000000
## Datesenttocompany.wkday.fctr4 0.000000
## Datesenttocompany.wkday.fctr5 0.000000
## Datesenttocompany.wkday.fctr6 0.000000
## Datesenttocompany.wkend 0.000000
## Datesenttocompany.year.fctr2015 0.000000
## Datesenttocompany.year.fctr2016 0.000000
## Response.fctrClosed 0.000000
## Response.fctrInprogress 0.000000
## Response.fctrUntimelyresponse 0.000000
## Rgn.Dvn.fctrMW#WestNorthCentral 0.000000
## Rgn.Dvn.fctrMW#WestNorthCentral#MidAtlantic 3.427979
## Rgn.Dvn.fctrMW#WestNorthCentral#NewEngland 0.000000
## Rgn.Dvn.fctrOT#Other 0.000000
## Rgn.Dvn.fctrSH#WestSouthCentral 0.000000
## Rgn.Dvn.fctrWT#Mountain 0.000000
## Sent.Recd.Dys.log1p 0.000000
## Sent.Recd.Dys.root2 0.000000
## gCConsent.fctrConsentprovided 4.492026
## gCompany.fctrComerica 2.561068
## gCompany.fctrPayPalHoldings,Inc. 0.000000
## gCompany.fctrU.S.Bancorp 0.000000
## gSPrd.fctr 0.000000
## gSPrd.fctr(CD)Certificateofdeposit 0.000000
## gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr2 0.000000
## gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr3 0.000000
## gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr4 0.000000
## gSPrd.fctr:.clusterid.fctr2 0.000000
## gSPrd.fctr:.clusterid.fctr3 0.000000
## gSPrd.fctr:.clusterid.fctr4 0.000000
## gSPrd.fctrAuto 0.000000
## gSPrd.fctrAuto:.clusterid.fctr2 0.000000
## gSPrd.fctrAuto:.clusterid.fctr3 0.000000
## gSPrd.fctrAuto:.clusterid.fctr4 0.000000
## gSPrd.fctrCashingacheckwithoutanaccount 0.000000
## gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr2 0.000000
## gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr3 0.000000
## gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr4 0.000000
## gSPrd.fctrCheckcashing 0.000000
## gSPrd.fctrCheckcashing:.clusterid.fctr2 0.000000
## gSPrd.fctrCheckcashing:.clusterid.fctr3 0.000000
## gSPrd.fctrCheckcashing:.clusterid.fctr4 0.000000
## gSPrd.fctrCheckingaccount 0.000000
## gSPrd.fctrCheckingaccount:.clusterid.fctr2 0.000000
## gSPrd.fctrCheckingaccount:.clusterid.fctr3 0.000000
## gSPrd.fctrCheckingaccount:.clusterid.fctr4 0.000000
## gSPrd.fctrConventionaladjustablemortgage(ARM) 0.000000
## gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr2 0.000000
## gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr3 0.000000
## gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr4 0.000000
## gSPrd.fctrConventionalfixedmortgage 0.000000
## gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr2 0.000000
## gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr3 0.000000
## gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr4 0.000000
## gSPrd.fctrCreditcard 0.000000
## gSPrd.fctrCreditcard:.clusterid.fctr2 0.000000
## gSPrd.fctrCreditcard:.clusterid.fctr3 0.000000
## gSPrd.fctrCreditcard:.clusterid.fctr4 0.000000
## gSPrd.fctrCreditrepair 0.000000
## gSPrd.fctrCreditrepair:.clusterid.fctr2 0.000000
## gSPrd.fctrCreditrepair:.clusterid.fctr3 0.000000
## gSPrd.fctrCreditrepair:.clusterid.fctr4 0.000000
## gSPrd.fctrDebtsettlement 0.000000
## gSPrd.fctrDebtsettlement:.clusterid.fctr2 0.000000
## gSPrd.fctrDebtsettlement:.clusterid.fctr3 0.000000
## gSPrd.fctrDebtsettlement:.clusterid.fctr4 0.000000
## gSPrd.fctrDomestic(US)moneytransfer 0.000000
## gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr2 0.000000
## gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr3 0.000000
## gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr4 0.000000
## gSPrd.fctrFHAmortgage 0.000000
## gSPrd.fctrFHAmortgage:.clusterid.fctr2 0.000000
## gSPrd.fctrFHAmortgage:.clusterid.fctr3 0.000000
## gSPrd.fctrFHAmortgage:.clusterid.fctr4 0.000000
## gSPrd.fctrFederalstudentloan 0.000000
## gSPrd.fctrFederalstudentloan:.clusterid.fctr2 0.000000
## gSPrd.fctrFederalstudentloan:.clusterid.fctr3 0.000000
## gSPrd.fctrFederalstudentloan:.clusterid.fctr4 0.000000
## gSPrd.fctrFederalstudentloanservicing 0.000000
## gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr2 0.000000
## gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr3 0.000000
## gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr4 0.000000
## gSPrd.fctrForeigncurrencyexchange 0.000000
## gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr2 0.000000
## gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr3 0.000000
## gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr4 0.000000
## gSPrd.fctrGeneralpurposecard:.clusterid.fctr2 0.000000
## gSPrd.fctrGeneralpurposecard:.clusterid.fctr4 0.000000
## gSPrd.fctrGiftormerchantcard:.clusterid.fctr2 0.000000
## gSPrd.fctrGiftormerchantcard:.clusterid.fctr3 0.000000
## gSPrd.fctrGiftormerchantcard:.clusterid.fctr4 0.000000
## gSPrd.fctrGovernmentbenefitpaymentcard 0.000000
## gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr2 0.000000
## gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr3 0.000000
## gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr4 0.000000
## gSPrd.fctrHomeequityloanorlineofcredit 0.000000
## gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr2 0.000000
## gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr3 0.000000
## gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr4 0.000000
## gSPrd.fctrIDprepaidcard 1.609088
## gSPrd.fctrIDprepaidcard:.clusterid.fctr2 0.000000
## gSPrd.fctrIDprepaidcard:.clusterid.fctr3 0.000000
## gSPrd.fctrIDprepaidcard:.clusterid.fctr4 0.000000
## gSPrd.fctrIdonotknow 0.000000
## gSPrd.fctrIdonotknow:.clusterid.fctr2 0.000000
## gSPrd.fctrIdonotknow:.clusterid.fctr3 0.000000
## gSPrd.fctrIdonotknow:.clusterid.fctr4 0.000000
## gSPrd.fctrInstallmentloan 0.000000
## gSPrd.fctrInstallmentloan:.clusterid.fctr2 0.000000
## gSPrd.fctrInstallmentloan:.clusterid.fctr3 0.000000
## gSPrd.fctrInstallmentloan:.clusterid.fctr4 0.000000
## gSPrd.fctrInternationalmoneytransfer 0.000000
## gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr2 0.000000
## gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr3 0.000000
## gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr4 0.000000
## gSPrd.fctrMedical 0.000000
## gSPrd.fctrMedical:.clusterid.fctr2 0.000000
## gSPrd.fctrMedical:.clusterid.fctr3 0.000000
## gSPrd.fctrMedical:.clusterid.fctr4 0.000000
## gSPrd.fctrMobilewallet:.clusterid.fctr2 0.000000
## gSPrd.fctrMobilewallet:.clusterid.fctr4 0.000000
## gSPrd.fctrMoneyorder 0.000000
## gSPrd.fctrMoneyorder:.clusterid.fctr2 0.000000
## gSPrd.fctrMoneyorder:.clusterid.fctr3 0.000000
## gSPrd.fctrMoneyorder:.clusterid.fctr4 0.000000
## gSPrd.fctrMortgage 0.000000
## gSPrd.fctrMortgage:.clusterid.fctr2 0.000000
## gSPrd.fctrMortgage:.clusterid.fctr3 0.000000
## gSPrd.fctrMortgage:.clusterid.fctr4 0.000000
## gSPrd.fctrNon-federalstudentloan 0.000000
## gSPrd.fctrNon-federalstudentloan:.clusterid.fctr2 0.000000
## gSPrd.fctrNon-federalstudentloan:.clusterid.fctr3 0.000000
## gSPrd.fctrNon-federalstudentloan:.clusterid.fctr4 0.000000
## gSPrd.fctrOther(i.e.phone,healthclub,etc.) 0.000000
## gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr2 0.000000
## gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr3 0.000000
## gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr4 0.000000
## gSPrd.fctrOther:.clusterid.fctr4 0.000000
## gSPrd.fctrOtherbankproduct/service 0.000000
## gSPrd.fctrOtherbankproduct/service:.clusterid.fctr2 0.000000
## gSPrd.fctrOtherbankproduct/service:.clusterid.fctr3 0.000000
## gSPrd.fctrOtherbankproduct/service:.clusterid.fctr4 0.000000
## gSPrd.fctrOthermortgage 0.000000
## gSPrd.fctrOthermortgage:.clusterid.fctr2 0.000000
## gSPrd.fctrOthermortgage:.clusterid.fctr3 0.000000
## gSPrd.fctrOthermortgage:.clusterid.fctr4 0.000000
## gSPrd.fctrPawnloan 0.000000
## gSPrd.fctrPawnloan:.clusterid.fctr2 0.000000
## gSPrd.fctrPawnloan:.clusterid.fctr3 0.000000
## gSPrd.fctrPawnloan:.clusterid.fctr4 0.000000
## gSPrd.fctrPaydayloan 0.000000
## gSPrd.fctrPaydayloan:.clusterid.fctr2 0.000000
## gSPrd.fctrPaydayloan:.clusterid.fctr3 0.000000
## gSPrd.fctrPaydayloan:.clusterid.fctr4 0.000000
## gSPrd.fctrPayrollcard 8.416444
## gSPrd.fctrPayrollcard:.clusterid.fctr2 0.000000
## gSPrd.fctrPayrollcard:.clusterid.fctr3 0.000000
## gSPrd.fctrPayrollcard:.clusterid.fctr4 0.000000
## gSPrd.fctrPersonallineofcredit 0.000000
## gSPrd.fctrPersonallineofcredit:.clusterid.fctr2 0.000000
## gSPrd.fctrPersonallineofcredit:.clusterid.fctr3 0.000000
## gSPrd.fctrPersonallineofcredit:.clusterid.fctr4 0.000000
## gSPrd.fctrRefundanticipationcheck 0.000000
## gSPrd.fctrRefundanticipationcheck:.clusterid.fctr2 0.000000
## gSPrd.fctrRefundanticipationcheck:.clusterid.fctr3 0.000000
## gSPrd.fctrRefundanticipationcheck:.clusterid.fctr4 0.000000
## gSPrd.fctrReversemortgage 0.000000
## gSPrd.fctrReversemortgage:.clusterid.fctr2 0.000000
## gSPrd.fctrReversemortgage:.clusterid.fctr3 0.000000
## gSPrd.fctrReversemortgage:.clusterid.fctr4 0.000000
## gSPrd.fctrSavingsaccount 0.000000
## gSPrd.fctrSavingsaccount:.clusterid.fctr2 0.000000
## gSPrd.fctrSavingsaccount:.clusterid.fctr3 0.000000
## gSPrd.fctrSavingsaccount:.clusterid.fctr4 0.000000
## gSPrd.fctrSecondmortgage 0.000000
## gSPrd.fctrSecondmortgage:.clusterid.fctr2 0.000000
## gSPrd.fctrSecondmortgage:.clusterid.fctr3 0.000000
## gSPrd.fctrSecondmortgage:.clusterid.fctr4 0.000000
## gSPrd.fctrTitleloan 0.000000
## gSPrd.fctrTitleloan:.clusterid.fctr2 0.000000
## gSPrd.fctrTitleloan:.clusterid.fctr3 0.000000
## gSPrd.fctrTitleloan:.clusterid.fctr4 0.000000
## gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks 0.000000
## gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks:.clusterid.fctr2 0.000000
## gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks:.clusterid.fctr3 0.000000
## gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks:.clusterid.fctr4 0.000000
## gSPrd.fctrVAmortgage 0.000000
## gSPrd.fctrVAmortgage:.clusterid.fctr2 0.000000
## gSPrd.fctrVAmortgage:.clusterid.fctr3 0.000000
## gSPrd.fctrVAmortgage:.clusterid.fctr4 0.000000
## gSPrd.fctrVehiclelease 0.000000
## gSPrd.fctrVehiclelease:.clusterid.fctr2 0.000000
## gSPrd.fctrVehiclelease:.clusterid.fctr3 0.000000
## gSPrd.fctrVehiclelease:.clusterid.fctr4 0.000000
## gSPrd.fctrVehicleloan 0.000000
## gSPrd.fctrVehicleloan:.clusterid.fctr2 0.000000
## gSPrd.fctrVehicleloan:.clusterid.fctr3 0.000000
## gSPrd.fctrVehicleloan:.clusterid.fctr4 0.000000
## gTags.fctrOlderAmericanServicemember 0.000000
## Trn.All.X...gbm.imp
## Datereceived.juliandate 100.000000
## Datereceived.last32.log1p 64.791163
## Datereceived.last16.log1p 63.368012
## .rnorm 54.479052
## Response.fctrClosedwithmonetaryrelief 47.121856
## gCompany.fctrAmex 39.260712
## Datereceived.last2.log1p 32.731839
## Datereceived.year.fctr2016 26.372320
## Response.fctrClosedwithnon-monetaryrelief 25.287916
## Datereceived.month.fctr05 23.453439
## gCompany.fctrNetSpendCorporation,aTSYSCompany 20.232558
## Sent.Recd.Dys 18.586459
## Datereceived.last8.log1p 16.104081
## Rgn.Dvn.fctrWT#Pacific 14.652242
## gTags.fctrServicemember 11.728233
## Datereceived.last4.log1p 10.344022
## gCompany.fctrBlackhawkNetworkHoldingsInc. 10.265817
## Channel.fctrPhone 10.063702
## gCompany.fctrCitibank 8.544567
## gSPrd.fctrMobilewallet:.clusterid.fctr3 8.481127
## Datereceived.year.fctr2015 7.014201
## Sent.Recd.Dys.nexp 6.918508
## gSPrd.fctrGeneralpurposecard:.clusterid.fctr3 6.898341
## Datereceived.date.fctr(19,25] 6.668373
## Datereceived.month.fctr06 6.358322
## gSPrd.fctrGiftormerchantcard 5.931464
## Channel.fctrReferral 5.352747
## Datereceived.wkend 5.092045
## Datereceived.month.fctr07 4.969147
## gTags.fctrOlderAmerican 4.622878
## Datereceived.month.fctr03 4.465556
## gCConsent.fctrOther 4.464581
## gSPrd.fctrMobilewallet 4.308642
## Datereceived.month.fctr08 3.795906
## gCompany.fctrOther 3.673956
## Rgn.Dvn.fctrSH#EastSouthCentral 3.249443
## Datereceived.month.fctr04 2.941477
## Rgn.Dvn.fctrMW#EastNorthCentral 2.837997
## gSPrd.fctrOther:.clusterid.fctr3 2.689015
## Datereceived.date.fctr(25,31] 2.282259
## gCConsent.fctrConsentnotprovided 2.257471
## Datereceived.month.fctr09 2.229747
## Datereceived.date.fctr(7,13] 2.219435
## .clusterid 1.991856
## gSPrd.fctrGeneralpurposecard 1.844006
## gSPrd.fctrOther:.clusterid.fctr2 1.589042
## Datereceived.wkday.fctr4 1.564824
## Datereceived.wkday.fctr1 1.437558
## Channel.fctrPostalmail 1.164957
## Channel.fctrFax 0.000000
## Datereceived.date.fctr(13,19] 0.000000
## Datereceived.month.fctr02 0.000000
## Datereceived.month.fctr10 0.000000
## Datereceived.month.fctr11 0.000000
## Datereceived.month.fctr12 0.000000
## Datereceived.wkday.fctr2 0.000000
## Datereceived.wkday.fctr3 0.000000
## Datereceived.wkday.fctr5 0.000000
## Datereceived.wkday.fctr6 0.000000
## Datesenttocompany.date.fctr(13,19] 0.000000
## Datesenttocompany.date.fctr(19,25] 0.000000
## Datesenttocompany.date.fctr(25,31] 0.000000
## Datesenttocompany.date.fctr(7,13] 0.000000
## Datesenttocompany.juliandate 0.000000
## Datesenttocompany.last16.log1p 0.000000
## Datesenttocompany.last2.log1p 0.000000
## Datesenttocompany.last32.log1p 0.000000
## Datesenttocompany.last4.log1p 0.000000
## Datesenttocompany.last8.log1p 0.000000
## Datesenttocompany.month.fctr02 0.000000
## Datesenttocompany.month.fctr03 0.000000
## Datesenttocompany.month.fctr04 0.000000
## Datesenttocompany.month.fctr05 0.000000
## Datesenttocompany.month.fctr06 0.000000
## Datesenttocompany.month.fctr07 0.000000
## Datesenttocompany.month.fctr08 0.000000
## Datesenttocompany.month.fctr09 0.000000
## Datesenttocompany.month.fctr10 0.000000
## Datesenttocompany.month.fctr11 0.000000
## Datesenttocompany.month.fctr12 0.000000
## Datesenttocompany.wkday.fctr1 0.000000
## Datesenttocompany.wkday.fctr2 0.000000
## Datesenttocompany.wkday.fctr3 0.000000
## Datesenttocompany.wkday.fctr4 0.000000
## Datesenttocompany.wkday.fctr5 0.000000
## Datesenttocompany.wkday.fctr6 0.000000
## Datesenttocompany.wkend 0.000000
## Datesenttocompany.year.fctr2015 0.000000
## Datesenttocompany.year.fctr2016 0.000000
## Response.fctrClosed 0.000000
## Response.fctrInprogress 0.000000
## Response.fctrUntimelyresponse 0.000000
## Rgn.Dvn.fctrMW#WestNorthCentral 0.000000
## Rgn.Dvn.fctrMW#WestNorthCentral#MidAtlantic 0.000000
## Rgn.Dvn.fctrMW#WestNorthCentral#NewEngland 0.000000
## Rgn.Dvn.fctrOT#Other 0.000000
## Rgn.Dvn.fctrSH#WestSouthCentral 0.000000
## Rgn.Dvn.fctrWT#Mountain 0.000000
## Sent.Recd.Dys.log1p 0.000000
## Sent.Recd.Dys.root2 0.000000
## gCConsent.fctrConsentprovided 0.000000
## gCompany.fctrComerica 0.000000
## gCompany.fctrPayPalHoldings,Inc. 0.000000
## gCompany.fctrU.S.Bancorp 0.000000
## gSPrd.fctr 0.000000
## gSPrd.fctr(CD)Certificateofdeposit 0.000000
## gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr2 0.000000
## gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr3 0.000000
## gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr4 0.000000
## gSPrd.fctr:.clusterid.fctr2 0.000000
## gSPrd.fctr:.clusterid.fctr3 0.000000
## gSPrd.fctr:.clusterid.fctr4 0.000000
## gSPrd.fctrAuto 0.000000
## gSPrd.fctrAuto:.clusterid.fctr2 0.000000
## gSPrd.fctrAuto:.clusterid.fctr3 0.000000
## gSPrd.fctrAuto:.clusterid.fctr4 0.000000
## gSPrd.fctrCashingacheckwithoutanaccount 0.000000
## gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr2 0.000000
## gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr3 0.000000
## gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr4 0.000000
## gSPrd.fctrCheckcashing 0.000000
## gSPrd.fctrCheckcashing:.clusterid.fctr2 0.000000
## gSPrd.fctrCheckcashing:.clusterid.fctr3 0.000000
## gSPrd.fctrCheckcashing:.clusterid.fctr4 0.000000
## gSPrd.fctrCheckingaccount 0.000000
## gSPrd.fctrCheckingaccount:.clusterid.fctr2 0.000000
## gSPrd.fctrCheckingaccount:.clusterid.fctr3 0.000000
## gSPrd.fctrCheckingaccount:.clusterid.fctr4 0.000000
## gSPrd.fctrConventionaladjustablemortgage(ARM) 0.000000
## gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr2 0.000000
## gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr3 0.000000
## gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr4 0.000000
## gSPrd.fctrConventionalfixedmortgage 0.000000
## gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr2 0.000000
## gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr3 0.000000
## gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr4 0.000000
## gSPrd.fctrCreditcard 0.000000
## gSPrd.fctrCreditcard:.clusterid.fctr2 0.000000
## gSPrd.fctrCreditcard:.clusterid.fctr3 0.000000
## gSPrd.fctrCreditcard:.clusterid.fctr4 0.000000
## gSPrd.fctrCreditrepair 0.000000
## gSPrd.fctrCreditrepair:.clusterid.fctr2 0.000000
## gSPrd.fctrCreditrepair:.clusterid.fctr3 0.000000
## gSPrd.fctrCreditrepair:.clusterid.fctr4 0.000000
## gSPrd.fctrDebtsettlement 0.000000
## gSPrd.fctrDebtsettlement:.clusterid.fctr2 0.000000
## gSPrd.fctrDebtsettlement:.clusterid.fctr3 0.000000
## gSPrd.fctrDebtsettlement:.clusterid.fctr4 0.000000
## gSPrd.fctrDomestic(US)moneytransfer 0.000000
## gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr2 0.000000
## gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr3 0.000000
## gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr4 0.000000
## gSPrd.fctrFHAmortgage 0.000000
## gSPrd.fctrFHAmortgage:.clusterid.fctr2 0.000000
## gSPrd.fctrFHAmortgage:.clusterid.fctr3 0.000000
## gSPrd.fctrFHAmortgage:.clusterid.fctr4 0.000000
## gSPrd.fctrFederalstudentloan 0.000000
## gSPrd.fctrFederalstudentloan:.clusterid.fctr2 0.000000
## gSPrd.fctrFederalstudentloan:.clusterid.fctr3 0.000000
## gSPrd.fctrFederalstudentloan:.clusterid.fctr4 0.000000
## gSPrd.fctrFederalstudentloanservicing 0.000000
## gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr2 0.000000
## gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr3 0.000000
## gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr4 0.000000
## gSPrd.fctrForeigncurrencyexchange 0.000000
## gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr2 0.000000
## gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr3 0.000000
## gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr4 0.000000
## gSPrd.fctrGeneralpurposecard:.clusterid.fctr2 0.000000
## gSPrd.fctrGeneralpurposecard:.clusterid.fctr4 0.000000
## gSPrd.fctrGiftormerchantcard:.clusterid.fctr2 0.000000
## gSPrd.fctrGiftormerchantcard:.clusterid.fctr3 0.000000
## gSPrd.fctrGiftormerchantcard:.clusterid.fctr4 0.000000
## gSPrd.fctrGovernmentbenefitpaymentcard 0.000000
## gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr2 0.000000
## gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr3 0.000000
## gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr4 0.000000
## gSPrd.fctrHomeequityloanorlineofcredit 0.000000
## gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr2 0.000000
## gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr3 0.000000
## gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr4 0.000000
## gSPrd.fctrIDprepaidcard 0.000000
## gSPrd.fctrIDprepaidcard:.clusterid.fctr2 0.000000
## gSPrd.fctrIDprepaidcard:.clusterid.fctr3 0.000000
## gSPrd.fctrIDprepaidcard:.clusterid.fctr4 0.000000
## gSPrd.fctrIdonotknow 0.000000
## gSPrd.fctrIdonotknow:.clusterid.fctr2 0.000000
## gSPrd.fctrIdonotknow:.clusterid.fctr3 0.000000
## gSPrd.fctrIdonotknow:.clusterid.fctr4 0.000000
## gSPrd.fctrInstallmentloan 0.000000
## gSPrd.fctrInstallmentloan:.clusterid.fctr2 0.000000
## gSPrd.fctrInstallmentloan:.clusterid.fctr3 0.000000
## gSPrd.fctrInstallmentloan:.clusterid.fctr4 0.000000
## gSPrd.fctrInternationalmoneytransfer 0.000000
## gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr2 0.000000
## gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr3 0.000000
## gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr4 0.000000
## gSPrd.fctrMedical 0.000000
## gSPrd.fctrMedical:.clusterid.fctr2 0.000000
## gSPrd.fctrMedical:.clusterid.fctr3 0.000000
## gSPrd.fctrMedical:.clusterid.fctr4 0.000000
## gSPrd.fctrMobilewallet:.clusterid.fctr2 0.000000
## gSPrd.fctrMobilewallet:.clusterid.fctr4 0.000000
## gSPrd.fctrMoneyorder 0.000000
## gSPrd.fctrMoneyorder:.clusterid.fctr2 0.000000
## gSPrd.fctrMoneyorder:.clusterid.fctr3 0.000000
## gSPrd.fctrMoneyorder:.clusterid.fctr4 0.000000
## gSPrd.fctrMortgage 0.000000
## gSPrd.fctrMortgage:.clusterid.fctr2 0.000000
## gSPrd.fctrMortgage:.clusterid.fctr3 0.000000
## gSPrd.fctrMortgage:.clusterid.fctr4 0.000000
## gSPrd.fctrNon-federalstudentloan 0.000000
## gSPrd.fctrNon-federalstudentloan:.clusterid.fctr2 0.000000
## gSPrd.fctrNon-federalstudentloan:.clusterid.fctr3 0.000000
## gSPrd.fctrNon-federalstudentloan:.clusterid.fctr4 0.000000
## gSPrd.fctrOther(i.e.phone,healthclub,etc.) 0.000000
## gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr2 0.000000
## gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr3 0.000000
## gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr4 0.000000
## gSPrd.fctrOther:.clusterid.fctr4 0.000000
## gSPrd.fctrOtherbankproduct/service 0.000000
## gSPrd.fctrOtherbankproduct/service:.clusterid.fctr2 0.000000
## gSPrd.fctrOtherbankproduct/service:.clusterid.fctr3 0.000000
## gSPrd.fctrOtherbankproduct/service:.clusterid.fctr4 0.000000
## gSPrd.fctrOthermortgage 0.000000
## gSPrd.fctrOthermortgage:.clusterid.fctr2 0.000000
## gSPrd.fctrOthermortgage:.clusterid.fctr3 0.000000
## gSPrd.fctrOthermortgage:.clusterid.fctr4 0.000000
## gSPrd.fctrPawnloan 0.000000
## gSPrd.fctrPawnloan:.clusterid.fctr2 0.000000
## gSPrd.fctrPawnloan:.clusterid.fctr3 0.000000
## gSPrd.fctrPawnloan:.clusterid.fctr4 0.000000
## gSPrd.fctrPaydayloan 0.000000
## gSPrd.fctrPaydayloan:.clusterid.fctr2 0.000000
## gSPrd.fctrPaydayloan:.clusterid.fctr3 0.000000
## gSPrd.fctrPaydayloan:.clusterid.fctr4 0.000000
## gSPrd.fctrPayrollcard 0.000000
## gSPrd.fctrPayrollcard:.clusterid.fctr2 0.000000
## gSPrd.fctrPayrollcard:.clusterid.fctr3 0.000000
## gSPrd.fctrPayrollcard:.clusterid.fctr4 0.000000
## gSPrd.fctrPersonallineofcredit 0.000000
## gSPrd.fctrPersonallineofcredit:.clusterid.fctr2 0.000000
## gSPrd.fctrPersonallineofcredit:.clusterid.fctr3 0.000000
## gSPrd.fctrPersonallineofcredit:.clusterid.fctr4 0.000000
## gSPrd.fctrRefundanticipationcheck 0.000000
## gSPrd.fctrRefundanticipationcheck:.clusterid.fctr2 0.000000
## gSPrd.fctrRefundanticipationcheck:.clusterid.fctr3 0.000000
## gSPrd.fctrRefundanticipationcheck:.clusterid.fctr4 0.000000
## gSPrd.fctrReversemortgage 0.000000
## gSPrd.fctrReversemortgage:.clusterid.fctr2 0.000000
## gSPrd.fctrReversemortgage:.clusterid.fctr3 0.000000
## gSPrd.fctrReversemortgage:.clusterid.fctr4 0.000000
## gSPrd.fctrSavingsaccount 0.000000
## gSPrd.fctrSavingsaccount:.clusterid.fctr2 0.000000
## gSPrd.fctrSavingsaccount:.clusterid.fctr3 0.000000
## gSPrd.fctrSavingsaccount:.clusterid.fctr4 0.000000
## gSPrd.fctrSecondmortgage 0.000000
## gSPrd.fctrSecondmortgage:.clusterid.fctr2 0.000000
## gSPrd.fctrSecondmortgage:.clusterid.fctr3 0.000000
## gSPrd.fctrSecondmortgage:.clusterid.fctr4 0.000000
## gSPrd.fctrTitleloan 0.000000
## gSPrd.fctrTitleloan:.clusterid.fctr2 0.000000
## gSPrd.fctrTitleloan:.clusterid.fctr3 0.000000
## gSPrd.fctrTitleloan:.clusterid.fctr4 0.000000
## gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks 0.000000
## gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks:.clusterid.fctr2 0.000000
## gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks:.clusterid.fctr3 0.000000
## gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks:.clusterid.fctr4 0.000000
## gSPrd.fctrVAmortgage 0.000000
## gSPrd.fctrVAmortgage:.clusterid.fctr2 0.000000
## gSPrd.fctrVAmortgage:.clusterid.fctr3 0.000000
## gSPrd.fctrVAmortgage:.clusterid.fctr4 0.000000
## gSPrd.fctrVehiclelease 0.000000
## gSPrd.fctrVehiclelease:.clusterid.fctr2 0.000000
## gSPrd.fctrVehiclelease:.clusterid.fctr3 0.000000
## gSPrd.fctrVehiclelease:.clusterid.fctr4 0.000000
## gSPrd.fctrVehicleloan 0.000000
## gSPrd.fctrVehicleloan:.clusterid.fctr2 0.000000
## gSPrd.fctrVehicleloan:.clusterid.fctr3 0.000000
## gSPrd.fctrVehicleloan:.clusterid.fctr4 0.000000
## gTags.fctrOlderAmericanServicemember 0.000000
## imp
## Datereceived.juliandate 100.000000
## Datereceived.last32.log1p 64.791163
## Datereceived.last16.log1p 63.368012
## .rnorm 54.479052
## Response.fctrClosedwithmonetaryrelief 47.121856
## gCompany.fctrAmex 39.260712
## Datereceived.last2.log1p 32.731839
## Datereceived.year.fctr2016 26.372320
## Response.fctrClosedwithnon-monetaryrelief 25.287916
## Datereceived.month.fctr05 23.453439
## gCompany.fctrNetSpendCorporation,aTSYSCompany 20.232558
## Sent.Recd.Dys 18.586459
## Datereceived.last8.log1p 16.104081
## Rgn.Dvn.fctrWT#Pacific 14.652242
## gTags.fctrServicemember 11.728233
## Datereceived.last4.log1p 10.344022
## gCompany.fctrBlackhawkNetworkHoldingsInc. 10.265817
## Channel.fctrPhone 10.063702
## gCompany.fctrCitibank 8.544567
## gSPrd.fctrMobilewallet:.clusterid.fctr3 8.481127
## Datereceived.year.fctr2015 7.014201
## Sent.Recd.Dys.nexp 6.918508
## gSPrd.fctrGeneralpurposecard:.clusterid.fctr3 6.898341
## Datereceived.date.fctr(19,25] 6.668373
## Datereceived.month.fctr06 6.358322
## gSPrd.fctrGiftormerchantcard 5.931464
## Channel.fctrReferral 5.352747
## Datereceived.wkend 5.092045
## Datereceived.month.fctr07 4.969147
## gTags.fctrOlderAmerican 4.622878
## Datereceived.month.fctr03 4.465556
## gCConsent.fctrOther 4.464581
## gSPrd.fctrMobilewallet 4.308642
## Datereceived.month.fctr08 3.795906
## gCompany.fctrOther 3.673956
## Rgn.Dvn.fctrSH#EastSouthCentral 3.249443
## Datereceived.month.fctr04 2.941477
## Rgn.Dvn.fctrMW#EastNorthCentral 2.837997
## gSPrd.fctrOther:.clusterid.fctr3 2.689015
## Datereceived.date.fctr(25,31] 2.282259
## gCConsent.fctrConsentnotprovided 2.257471
## Datereceived.month.fctr09 2.229747
## Datereceived.date.fctr(7,13] 2.219435
## .clusterid 1.991856
## gSPrd.fctrGeneralpurposecard 1.844006
## gSPrd.fctrOther:.clusterid.fctr2 1.589042
## Datereceived.wkday.fctr4 1.564824
## Datereceived.wkday.fctr1 1.437558
## Channel.fctrPostalmail 1.164957
## Channel.fctrFax 0.000000
## Datereceived.date.fctr(13,19] 0.000000
## Datereceived.month.fctr02 0.000000
## Datereceived.month.fctr10 0.000000
## Datereceived.month.fctr11 0.000000
## Datereceived.month.fctr12 0.000000
## Datereceived.wkday.fctr2 0.000000
## Datereceived.wkday.fctr3 0.000000
## Datereceived.wkday.fctr5 0.000000
## Datereceived.wkday.fctr6 0.000000
## Datesenttocompany.date.fctr(13,19] 0.000000
## Datesenttocompany.date.fctr(19,25] 0.000000
## Datesenttocompany.date.fctr(25,31] 0.000000
## Datesenttocompany.date.fctr(7,13] 0.000000
## Datesenttocompany.juliandate 0.000000
## Datesenttocompany.last16.log1p 0.000000
## Datesenttocompany.last2.log1p 0.000000
## Datesenttocompany.last32.log1p 0.000000
## Datesenttocompany.last4.log1p 0.000000
## Datesenttocompany.last8.log1p 0.000000
## Datesenttocompany.month.fctr02 0.000000
## Datesenttocompany.month.fctr03 0.000000
## Datesenttocompany.month.fctr04 0.000000
## Datesenttocompany.month.fctr05 0.000000
## Datesenttocompany.month.fctr06 0.000000
## Datesenttocompany.month.fctr07 0.000000
## Datesenttocompany.month.fctr08 0.000000
## Datesenttocompany.month.fctr09 0.000000
## Datesenttocompany.month.fctr10 0.000000
## Datesenttocompany.month.fctr11 0.000000
## Datesenttocompany.month.fctr12 0.000000
## Datesenttocompany.wkday.fctr1 0.000000
## Datesenttocompany.wkday.fctr2 0.000000
## Datesenttocompany.wkday.fctr3 0.000000
## Datesenttocompany.wkday.fctr4 0.000000
## Datesenttocompany.wkday.fctr5 0.000000
## Datesenttocompany.wkday.fctr6 0.000000
## Datesenttocompany.wkend 0.000000
## Datesenttocompany.year.fctr2015 0.000000
## Datesenttocompany.year.fctr2016 0.000000
## Response.fctrClosed 0.000000
## Response.fctrInprogress 0.000000
## Response.fctrUntimelyresponse 0.000000
## Rgn.Dvn.fctrMW#WestNorthCentral 0.000000
## Rgn.Dvn.fctrMW#WestNorthCentral#MidAtlantic 0.000000
## Rgn.Dvn.fctrMW#WestNorthCentral#NewEngland 0.000000
## Rgn.Dvn.fctrOT#Other 0.000000
## Rgn.Dvn.fctrSH#WestSouthCentral 0.000000
## Rgn.Dvn.fctrWT#Mountain 0.000000
## Sent.Recd.Dys.log1p 0.000000
## Sent.Recd.Dys.root2 0.000000
## gCConsent.fctrConsentprovided 0.000000
## gCompany.fctrComerica 0.000000
## gCompany.fctrPayPalHoldings,Inc. 0.000000
## gCompany.fctrU.S.Bancorp 0.000000
## gSPrd.fctr 0.000000
## gSPrd.fctr(CD)Certificateofdeposit 0.000000
## gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr2 0.000000
## gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr3 0.000000
## gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr4 0.000000
## gSPrd.fctr:.clusterid.fctr2 0.000000
## gSPrd.fctr:.clusterid.fctr3 0.000000
## gSPrd.fctr:.clusterid.fctr4 0.000000
## gSPrd.fctrAuto 0.000000
## gSPrd.fctrAuto:.clusterid.fctr2 0.000000
## gSPrd.fctrAuto:.clusterid.fctr3 0.000000
## gSPrd.fctrAuto:.clusterid.fctr4 0.000000
## gSPrd.fctrCashingacheckwithoutanaccount 0.000000
## gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr2 0.000000
## gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr3 0.000000
## gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr4 0.000000
## gSPrd.fctrCheckcashing 0.000000
## gSPrd.fctrCheckcashing:.clusterid.fctr2 0.000000
## gSPrd.fctrCheckcashing:.clusterid.fctr3 0.000000
## gSPrd.fctrCheckcashing:.clusterid.fctr4 0.000000
## gSPrd.fctrCheckingaccount 0.000000
## gSPrd.fctrCheckingaccount:.clusterid.fctr2 0.000000
## gSPrd.fctrCheckingaccount:.clusterid.fctr3 0.000000
## gSPrd.fctrCheckingaccount:.clusterid.fctr4 0.000000
## gSPrd.fctrConventionaladjustablemortgage(ARM) 0.000000
## gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr2 0.000000
## gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr3 0.000000
## gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr4 0.000000
## gSPrd.fctrConventionalfixedmortgage 0.000000
## gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr2 0.000000
## gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr3 0.000000
## gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr4 0.000000
## gSPrd.fctrCreditcard 0.000000
## gSPrd.fctrCreditcard:.clusterid.fctr2 0.000000
## gSPrd.fctrCreditcard:.clusterid.fctr3 0.000000
## gSPrd.fctrCreditcard:.clusterid.fctr4 0.000000
## gSPrd.fctrCreditrepair 0.000000
## gSPrd.fctrCreditrepair:.clusterid.fctr2 0.000000
## gSPrd.fctrCreditrepair:.clusterid.fctr3 0.000000
## gSPrd.fctrCreditrepair:.clusterid.fctr4 0.000000
## gSPrd.fctrDebtsettlement 0.000000
## gSPrd.fctrDebtsettlement:.clusterid.fctr2 0.000000
## gSPrd.fctrDebtsettlement:.clusterid.fctr3 0.000000
## gSPrd.fctrDebtsettlement:.clusterid.fctr4 0.000000
## gSPrd.fctrDomestic(US)moneytransfer 0.000000
## gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr2 0.000000
## gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr3 0.000000
## gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr4 0.000000
## gSPrd.fctrFHAmortgage 0.000000
## gSPrd.fctrFHAmortgage:.clusterid.fctr2 0.000000
## gSPrd.fctrFHAmortgage:.clusterid.fctr3 0.000000
## gSPrd.fctrFHAmortgage:.clusterid.fctr4 0.000000
## gSPrd.fctrFederalstudentloan 0.000000
## gSPrd.fctrFederalstudentloan:.clusterid.fctr2 0.000000
## gSPrd.fctrFederalstudentloan:.clusterid.fctr3 0.000000
## gSPrd.fctrFederalstudentloan:.clusterid.fctr4 0.000000
## gSPrd.fctrFederalstudentloanservicing 0.000000
## gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr2 0.000000
## gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr3 0.000000
## gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr4 0.000000
## gSPrd.fctrForeigncurrencyexchange 0.000000
## gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr2 0.000000
## gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr3 0.000000
## gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr4 0.000000
## gSPrd.fctrGeneralpurposecard:.clusterid.fctr2 0.000000
## gSPrd.fctrGeneralpurposecard:.clusterid.fctr4 0.000000
## gSPrd.fctrGiftormerchantcard:.clusterid.fctr2 0.000000
## gSPrd.fctrGiftormerchantcard:.clusterid.fctr3 0.000000
## gSPrd.fctrGiftormerchantcard:.clusterid.fctr4 0.000000
## gSPrd.fctrGovernmentbenefitpaymentcard 0.000000
## gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr2 0.000000
## gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr3 0.000000
## gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr4 0.000000
## gSPrd.fctrHomeequityloanorlineofcredit 0.000000
## gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr2 0.000000
## gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr3 0.000000
## gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr4 0.000000
## gSPrd.fctrIDprepaidcard 0.000000
## gSPrd.fctrIDprepaidcard:.clusterid.fctr2 0.000000
## gSPrd.fctrIDprepaidcard:.clusterid.fctr3 0.000000
## gSPrd.fctrIDprepaidcard:.clusterid.fctr4 0.000000
## gSPrd.fctrIdonotknow 0.000000
## gSPrd.fctrIdonotknow:.clusterid.fctr2 0.000000
## gSPrd.fctrIdonotknow:.clusterid.fctr3 0.000000
## gSPrd.fctrIdonotknow:.clusterid.fctr4 0.000000
## gSPrd.fctrInstallmentloan 0.000000
## gSPrd.fctrInstallmentloan:.clusterid.fctr2 0.000000
## gSPrd.fctrInstallmentloan:.clusterid.fctr3 0.000000
## gSPrd.fctrInstallmentloan:.clusterid.fctr4 0.000000
## gSPrd.fctrInternationalmoneytransfer 0.000000
## gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr2 0.000000
## gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr3 0.000000
## gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr4 0.000000
## gSPrd.fctrMedical 0.000000
## gSPrd.fctrMedical:.clusterid.fctr2 0.000000
## gSPrd.fctrMedical:.clusterid.fctr3 0.000000
## gSPrd.fctrMedical:.clusterid.fctr4 0.000000
## gSPrd.fctrMobilewallet:.clusterid.fctr2 0.000000
## gSPrd.fctrMobilewallet:.clusterid.fctr4 0.000000
## gSPrd.fctrMoneyorder 0.000000
## gSPrd.fctrMoneyorder:.clusterid.fctr2 0.000000
## gSPrd.fctrMoneyorder:.clusterid.fctr3 0.000000
## gSPrd.fctrMoneyorder:.clusterid.fctr4 0.000000
## gSPrd.fctrMortgage 0.000000
## gSPrd.fctrMortgage:.clusterid.fctr2 0.000000
## gSPrd.fctrMortgage:.clusterid.fctr3 0.000000
## gSPrd.fctrMortgage:.clusterid.fctr4 0.000000
## gSPrd.fctrNon-federalstudentloan 0.000000
## gSPrd.fctrNon-federalstudentloan:.clusterid.fctr2 0.000000
## gSPrd.fctrNon-federalstudentloan:.clusterid.fctr3 0.000000
## gSPrd.fctrNon-federalstudentloan:.clusterid.fctr4 0.000000
## gSPrd.fctrOther(i.e.phone,healthclub,etc.) 0.000000
## gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr2 0.000000
## gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr3 0.000000
## gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr4 0.000000
## gSPrd.fctrOther:.clusterid.fctr4 0.000000
## gSPrd.fctrOtherbankproduct/service 0.000000
## gSPrd.fctrOtherbankproduct/service:.clusterid.fctr2 0.000000
## gSPrd.fctrOtherbankproduct/service:.clusterid.fctr3 0.000000
## gSPrd.fctrOtherbankproduct/service:.clusterid.fctr4 0.000000
## gSPrd.fctrOthermortgage 0.000000
## gSPrd.fctrOthermortgage:.clusterid.fctr2 0.000000
## gSPrd.fctrOthermortgage:.clusterid.fctr3 0.000000
## gSPrd.fctrOthermortgage:.clusterid.fctr4 0.000000
## gSPrd.fctrPawnloan 0.000000
## gSPrd.fctrPawnloan:.clusterid.fctr2 0.000000
## gSPrd.fctrPawnloan:.clusterid.fctr3 0.000000
## gSPrd.fctrPawnloan:.clusterid.fctr4 0.000000
## gSPrd.fctrPaydayloan 0.000000
## gSPrd.fctrPaydayloan:.clusterid.fctr2 0.000000
## gSPrd.fctrPaydayloan:.clusterid.fctr3 0.000000
## gSPrd.fctrPaydayloan:.clusterid.fctr4 0.000000
## gSPrd.fctrPayrollcard 0.000000
## gSPrd.fctrPayrollcard:.clusterid.fctr2 0.000000
## gSPrd.fctrPayrollcard:.clusterid.fctr3 0.000000
## gSPrd.fctrPayrollcard:.clusterid.fctr4 0.000000
## gSPrd.fctrPersonallineofcredit 0.000000
## gSPrd.fctrPersonallineofcredit:.clusterid.fctr2 0.000000
## gSPrd.fctrPersonallineofcredit:.clusterid.fctr3 0.000000
## gSPrd.fctrPersonallineofcredit:.clusterid.fctr4 0.000000
## gSPrd.fctrRefundanticipationcheck 0.000000
## gSPrd.fctrRefundanticipationcheck:.clusterid.fctr2 0.000000
## gSPrd.fctrRefundanticipationcheck:.clusterid.fctr3 0.000000
## gSPrd.fctrRefundanticipationcheck:.clusterid.fctr4 0.000000
## gSPrd.fctrReversemortgage 0.000000
## gSPrd.fctrReversemortgage:.clusterid.fctr2 0.000000
## gSPrd.fctrReversemortgage:.clusterid.fctr3 0.000000
## gSPrd.fctrReversemortgage:.clusterid.fctr4 0.000000
## gSPrd.fctrSavingsaccount 0.000000
## gSPrd.fctrSavingsaccount:.clusterid.fctr2 0.000000
## gSPrd.fctrSavingsaccount:.clusterid.fctr3 0.000000
## gSPrd.fctrSavingsaccount:.clusterid.fctr4 0.000000
## gSPrd.fctrSecondmortgage 0.000000
## gSPrd.fctrSecondmortgage:.clusterid.fctr2 0.000000
## gSPrd.fctrSecondmortgage:.clusterid.fctr3 0.000000
## gSPrd.fctrSecondmortgage:.clusterid.fctr4 0.000000
## gSPrd.fctrTitleloan 0.000000
## gSPrd.fctrTitleloan:.clusterid.fctr2 0.000000
## gSPrd.fctrTitleloan:.clusterid.fctr3 0.000000
## gSPrd.fctrTitleloan:.clusterid.fctr4 0.000000
## gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks 0.000000
## gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks:.clusterid.fctr2 0.000000
## gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks:.clusterid.fctr3 0.000000
## gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks:.clusterid.fctr4 0.000000
## gSPrd.fctrVAmortgage 0.000000
## gSPrd.fctrVAmortgage:.clusterid.fctr2 0.000000
## gSPrd.fctrVAmortgage:.clusterid.fctr3 0.000000
## gSPrd.fctrVAmortgage:.clusterid.fctr4 0.000000
## gSPrd.fctrVehiclelease 0.000000
## gSPrd.fctrVehiclelease:.clusterid.fctr2 0.000000
## gSPrd.fctrVehiclelease:.clusterid.fctr3 0.000000
## gSPrd.fctrVehiclelease:.clusterid.fctr4 0.000000
## gSPrd.fctrVehicleloan 0.000000
## gSPrd.fctrVehicleloan:.clusterid.fctr2 0.000000
## gSPrd.fctrVehicleloan:.clusterid.fctr3 0.000000
## gSPrd.fctrVehicleloan:.clusterid.fctr4 0.000000
## gTags.fctrOlderAmericanServicemember 0.000000if (glb_is_classification && glb_is_binomial)
glb_analytics_diag_plots(obs_df=glbObsTrn, mdl_id=glbMdlFnlNslId,
prob_threshold=glb_models_df[glb_models_df$id == glbMdlSltId,
"opt.prob.threshold.OOB"]) else
glb_analytics_diag_plots(obs_df=glbObsTrn, mdl_id=glbMdlFnlNslId) ## Warning in glb_analytics_diag_plots(obs_df = glbObsTrn, mdl_id =
## glbMdlFnlNslId, : Limiting important feature scatter plots to 5 out of 36
## [1] "Min/Max Boundaries: "
## ComplaintID CDisputed.fctr CDisputed.fctr.All.X..rcv.gbm.prob
## 1 1622364 Y NA
## 2 1615406 Y 0.08329856
## 3 1621797 Y 0.07494627
## 4 1618050 Y 0.09394382
## 5 1621888 Y 0.15234196
## 6 1617631 Y NA
## 7 993576 N 0.29063010
## 8 1177054 N 0.18209625
## 9 1622125 N 0.07394661
## 10 1086443 N NA
## 11 994537 N 0.45483761
## 12 1724708 N NA
## 13 1176479 N NA
## CDisputed.fctr.All.X..rcv.gbm CDisputed.fctr.All.X..rcv.gbm.err
## 1 <NA> NA
## 2 N TRUE
## 3 N TRUE
## 4 N TRUE
## 5 N TRUE
## 6 <NA> NA
## 7 N FALSE
## 8 N FALSE
## 9 N FALSE
## 10 <NA> NA
## 11 Y TRUE
## 12 <NA> NA
## 13 <NA> NA
## CDisputed.fctr.All.X..rcv.gbm.err.abs
## 1 NA
## 2 0.91670144
## 3 0.92505373
## 4 0.90605618
## 5 0.84765804
## 6 NA
## 7 0.29063010
## 8 0.18209625
## 9 0.07394661
## 10 NA
## 11 0.45483761
## 12 NA
## 13 NA
## CDisputed.fctr.All.X..rcv.gbm.is.acc
## 1 NA
## 2 FALSE
## 3 FALSE
## 4 FALSE
## 5 FALSE
## 6 NA
## 7 TRUE
## 8 TRUE
## 9 TRUE
## 10 NA
## 11 FALSE
## 12 NA
## 13 NA
## CDisputed.fctr.Trn.All.X...gbm.prob CDisputed.fctr.Trn.All.X...gbm
## 1 0.08062045 N
## 2 0.08440944 N
## 3 0.09194976 N
## 4 0.12169195 N
## 5 0.19178236 N
## 6 0.28815266 N
## 7 0.25571200 N
## 8 0.20443989 N
## 9 0.06528308 N
## 10 0.33340241 Y
## 11 0.36424837 Y
## 12 0.38477141 Y
## 13 0.42779050 Y
## CDisputed.fctr.Trn.All.X...gbm.err
## 1 TRUE
## 2 TRUE
## 3 TRUE
## 4 TRUE
## 5 TRUE
## 6 TRUE
## 7 FALSE
## 8 FALSE
## 9 FALSE
## 10 TRUE
## 11 TRUE
## 12 TRUE
## 13 TRUE
## CDisputed.fctr.Trn.All.X...gbm.err.abs
## 1 0.91937955
## 2 0.91559056
## 3 0.90805024
## 4 0.87830805
## 5 0.80821764
## 6 0.71184734
## 7 0.25571200
## 8 0.20443989
## 9 0.06528308
## 10 0.33340241
## 11 0.36424837
## 12 0.38477141
## 13 0.42779050
## CDisputed.fctr.Trn.All.X...gbm.is.acc
## 1 FALSE
## 2 FALSE
## 3 FALSE
## 4 FALSE
## 5 FALSE
## 6 FALSE
## 7 TRUE
## 8 TRUE
## 9 TRUE
## 10 FALSE
## 11 FALSE
## 12 FALSE
## 13 FALSE
## CDisputed.fctr.Trn.All.X...gbm.accurate
## 1 FALSE
## 2 FALSE
## 3 FALSE
## 4 FALSE
## 5 FALSE
## 6 FALSE
## 7 TRUE
## 8 TRUE
## 9 TRUE
## 10 FALSE
## 11 FALSE
## 12 FALSE
## 13 FALSE
## CDisputed.fctr.Trn.All.X...gbm.error .label
## 1 -0.21937955 1622364
## 2 -0.21559056 1615406
## 3 -0.20805024 1621797
## 4 -0.17830805 1618050
## 5 -0.10821764 1621888
## 6 -0.01184734 1617631
## 7 0.00000000 993576
## 8 0.00000000 1177054
## 9 0.00000000 1622125
## 10 0.03340241 1086443
## 11 0.06424837 994537
## 12 0.08477141 1724708
## 13 0.12779050 1176479## Warning in glb_get_predictions(df = tileDf, mdl$.myId, rsp_var,
## prob_threshold): Using default probability threshold: 0.3## [1] "Inaccurate: "
## ComplaintID CDisputed.fctr CDisputed.fctr.All.X..rcv.gbm.prob
## 1 1629220 Y 0.07787470
## 2 1617605 Y 0.06894698
## 3 1604897 Y 0.12286309
## 4 1617632 Y 0.07065278
## 5 1623363 Y 0.06967546
## 6 1622364 Y NA
## CDisputed.fctr.All.X..rcv.gbm CDisputed.fctr.All.X..rcv.gbm.err
## 1 N TRUE
## 2 N TRUE
## 3 N TRUE
## 4 N TRUE
## 5 N TRUE
## 6 <NA> NA
## CDisputed.fctr.All.X..rcv.gbm.err.abs
## 1 0.9221253
## 2 0.9310530
## 3 0.8771369
## 4 0.9293472
## 5 0.9303245
## 6 NA
## CDisputed.fctr.All.X..rcv.gbm.is.acc CDisputed.fctr.Trn.All.X...gbm.prob
## 1 FALSE 0.06857314
## 2 FALSE 0.07100971
## 3 FALSE 0.07256382
## 4 FALSE 0.07438355
## 5 FALSE 0.07958278
## 6 NA 0.08062045
## CDisputed.fctr.Trn.All.X...gbm CDisputed.fctr.Trn.All.X...gbm.err
## 1 N TRUE
## 2 N TRUE
## 3 N TRUE
## 4 N TRUE
## 5 N TRUE
## 6 N TRUE
## CDisputed.fctr.Trn.All.X...gbm.err.abs
## 1 0.9314269
## 2 0.9289903
## 3 0.9274362
## 4 0.9256164
## 5 0.9204172
## 6 0.9193796
## CDisputed.fctr.Trn.All.X...gbm.is.acc
## 1 FALSE
## 2 FALSE
## 3 FALSE
## 4 FALSE
## 5 FALSE
## 6 FALSE
## CDisputed.fctr.Trn.All.X...gbm.accurate
## 1 FALSE
## 2 FALSE
## 3 FALSE
## 4 FALSE
## 5 FALSE
## 6 FALSE
## CDisputed.fctr.Trn.All.X...gbm.error
## 1 -0.2314269
## 2 -0.2289903
## 3 -0.2274362
## 4 -0.2256164
## 5 -0.2204172
## 6 -0.2193796
## ComplaintID CDisputed.fctr CDisputed.fctr.All.X..rcv.gbm.prob
## 51 1263617 Y 0.3928301
## 99 2010755 Y 0.4013463
## 129 1188700 Y 0.3109971
## 171 1330702 N NA
## 201 1041803 N 0.4092384
## 370 1445039 N NA
## CDisputed.fctr.All.X..rcv.gbm CDisputed.fctr.All.X..rcv.gbm.err
## 51 Y FALSE
## 99 Y FALSE
## 129 Y FALSE
## 171 <NA> NA
## 201 Y TRUE
## 370 <NA> NA
## CDisputed.fctr.All.X..rcv.gbm.err.abs
## 51 0.6071699
## 99 0.5986537
## 129 0.6890029
## 171 NA
## 201 0.4092384
## 370 NA
## CDisputed.fctr.All.X..rcv.gbm.is.acc
## 51 TRUE
## 99 TRUE
## 129 TRUE
## 171 NA
## 201 FALSE
## 370 NA
## CDisputed.fctr.Trn.All.X...gbm.prob CDisputed.fctr.Trn.All.X...gbm
## 51 0.2201185 N
## 99 0.2717361 N
## 129 0.2968226 N
## 171 0.3136615 Y
## 201 0.3280998 Y
## 370 0.4704567 Y
## CDisputed.fctr.Trn.All.X...gbm.err
## 51 TRUE
## 99 TRUE
## 129 TRUE
## 171 TRUE
## 201 TRUE
## 370 TRUE
## CDisputed.fctr.Trn.All.X...gbm.err.abs
## 51 0.7798815
## 99 0.7282639
## 129 0.7031774
## 171 0.3136615
## 201 0.3280998
## 370 0.4704567
## CDisputed.fctr.Trn.All.X...gbm.is.acc
## 51 FALSE
## 99 FALSE
## 129 FALSE
## 171 FALSE
## 201 FALSE
## 370 FALSE
## CDisputed.fctr.Trn.All.X...gbm.accurate
## 51 FALSE
## 99 FALSE
## 129 FALSE
## 171 FALSE
## 201 FALSE
## 370 FALSE
## CDisputed.fctr.Trn.All.X...gbm.error
## 51 -0.079881540
## 99 -0.028263859
## 129 -0.003177363
## 171 0.013661534
## 201 0.028099847
## 370 0.170456664
## ComplaintID CDisputed.fctr CDisputed.fctr.All.X..rcv.gbm.prob
## 407 1947125 N 0.3917309
## 408 2039882 N NA
## 409 1946136 N NA
## 410 1916090 N NA
## 411 2007045 N NA
## 412 1375515 N 0.4340236
## CDisputed.fctr.All.X..rcv.gbm CDisputed.fctr.All.X..rcv.gbm.err
## 407 Y TRUE
## 408 <NA> NA
## 409 <NA> NA
## 410 <NA> NA
## 411 <NA> NA
## 412 Y TRUE
## CDisputed.fctr.All.X..rcv.gbm.err.abs
## 407 0.3917309
## 408 NA
## 409 NA
## 410 NA
## 411 NA
## 412 0.4340236
## CDisputed.fctr.All.X..rcv.gbm.is.acc
## 407 FALSE
## 408 NA
## 409 NA
## 410 NA
## 411 NA
## 412 FALSE
## CDisputed.fctr.Trn.All.X...gbm.prob CDisputed.fctr.Trn.All.X...gbm
## 407 0.5844274 Y
## 408 0.5921506 Y
## 409 0.5995884 Y
## 410 0.6022103 Y
## 411 0.6257016 Y
## 412 0.6871383 Y
## CDisputed.fctr.Trn.All.X...gbm.err
## 407 TRUE
## 408 TRUE
## 409 TRUE
## 410 TRUE
## 411 TRUE
## 412 TRUE
## CDisputed.fctr.Trn.All.X...gbm.err.abs
## 407 0.5844274
## 408 0.5921506
## 409 0.5995884
## 410 0.6022103
## 411 0.6257016
## 412 0.6871383
## CDisputed.fctr.Trn.All.X...gbm.is.acc
## 407 FALSE
## 408 FALSE
## 409 FALSE
## 410 FALSE
## 411 FALSE
## 412 FALSE
## CDisputed.fctr.Trn.All.X...gbm.accurate
## 407 FALSE
## 408 FALSE
## 409 FALSE
## 410 FALSE
## 411 FALSE
## 412 FALSE
## CDisputed.fctr.Trn.All.X...gbm.error
## 407 0.2844274
## 408 0.2921506
## 409 0.2995884
## 410 0.3022103
## 411 0.3257016
## 412 0.3871383## Scale for 'colour' is already present. Adding another scale for
## 'colour', which will replace the existing scale.
## [1] "Min/Max Boundaries: "
## ComplaintID CDisputed.fctr CDisputed.fctr.All.X..rcv.gbm.prob
## 1 1629220 Y 0.07787470
## 2 1604897 Y 0.12286309
## 3 1623363 Y 0.06967546
## 4 1622364 Y NA
## 5 1623265 Y NA
## 6 1615406 Y 0.08329856
## 7 1621797 Y 0.07494627
## 8 1618050 Y 0.09394382
## 9 1621888 Y 0.15234196
## 10 1617631 Y NA
## 11 993576 N 0.29063010
## 12 1073908 N NA
## 13 1622078 N NA
## 14 1622125 N 0.07394661
## 15 1086443 N NA
## 16 994537 N 0.45483761
## CDisputed.fctr.All.X..rcv.gbm CDisputed.fctr.All.X..rcv.gbm.err
## 1 N TRUE
## 2 N TRUE
## 3 N TRUE
## 4 <NA> NA
## 5 <NA> NA
## 6 N TRUE
## 7 N TRUE
## 8 N TRUE
## 9 N TRUE
## 10 <NA> NA
## 11 N FALSE
## 12 <NA> NA
## 13 <NA> NA
## 14 N FALSE
## 15 <NA> NA
## 16 Y TRUE
## CDisputed.fctr.All.X..rcv.gbm.err.abs
## 1 0.92212530
## 2 0.87713691
## 3 0.93032454
## 4 NA
## 5 NA
## 6 0.91670144
## 7 0.92505373
## 8 0.90605618
## 9 0.84765804
## 10 NA
## 11 0.29063010
## 12 NA
## 13 NA
## 14 0.07394661
## 15 NA
## 16 0.45483761
## CDisputed.fctr.All.X..rcv.gbm.is.acc
## 1 FALSE
## 2 FALSE
## 3 FALSE
## 4 NA
## 5 NA
## 6 FALSE
## 7 FALSE
## 8 FALSE
## 9 FALSE
## 10 NA
## 11 TRUE
## 12 NA
## 13 NA
## 14 TRUE
## 15 NA
## 16 FALSE
## CDisputed.fctr.Trn.All.X...gbm.prob CDisputed.fctr.Trn.All.X...gbm
## 1 0.06857314 N
## 2 0.07256382 N
## 3 0.07958278 N
## 4 0.08062045 N
## 5 0.08332742 N
## 6 0.08440944 N
## 7 0.09194976 N
## 8 0.12169195 N
## 9 0.19178236 N
## 10 0.28815266 N
## 11 0.25571200 N
## 12 0.13135022 N
## 13 0.07435014 N
## 14 0.06528308 N
## 15 0.33340241 Y
## 16 0.36424837 Y
## CDisputed.fctr.Trn.All.X...gbm.err
## 1 TRUE
## 2 TRUE
## 3 TRUE
## 4 TRUE
## 5 TRUE
## 6 TRUE
## 7 TRUE
## 8 TRUE
## 9 TRUE
## 10 TRUE
## 11 FALSE
## 12 FALSE
## 13 FALSE
## 14 FALSE
## 15 TRUE
## 16 TRUE
## CDisputed.fctr.Trn.All.X...gbm.err.abs
## 1 0.93142686
## 2 0.92743618
## 3 0.92041722
## 4 0.91937955
## 5 0.91667258
## 6 0.91559056
## 7 0.90805024
## 8 0.87830805
## 9 0.80821764
## 10 0.71184734
## 11 0.25571200
## 12 0.13135022
## 13 0.07435014
## 14 0.06528308
## 15 0.33340241
## 16 0.36424837
## CDisputed.fctr.Trn.All.X...gbm.is.acc
## 1 FALSE
## 2 FALSE
## 3 FALSE
## 4 FALSE
## 5 FALSE
## 6 FALSE
## 7 FALSE
## 8 FALSE
## 9 FALSE
## 10 FALSE
## 11 TRUE
## 12 TRUE
## 13 TRUE
## 14 TRUE
## 15 FALSE
## 16 FALSE
## CDisputed.fctr.Trn.All.X...gbm.accurate
## 1 FALSE
## 2 FALSE
## 3 FALSE
## 4 FALSE
## 5 FALSE
## 6 FALSE
## 7 FALSE
## 8 FALSE
## 9 FALSE
## 10 FALSE
## 11 TRUE
## 12 TRUE
## 13 TRUE
## 14 TRUE
## 15 FALSE
## 16 FALSE
## CDisputed.fctr.Trn.All.X...gbm.error .label
## 1 -0.23142686 1629220
## 2 -0.22743618 1604897
## 3 -0.22041722 1623363
## 4 -0.21937955 1622364
## 5 -0.21667258 1623265
## 6 -0.21559056 1615406
## 7 -0.20805024 1621797
## 8 -0.17830805 1618050
## 9 -0.10821764 1621888
## 10 -0.01184734 1617631
## 11 0.00000000 993576
## 12 0.00000000 1073908
## 13 0.00000000 1622078
## 14 0.00000000 1622125
## 15 0.03340241 1086443
## 16 0.06424837 994537## Warning in glb_get_predictions(df = tileDf, mdl$.myId, rsp_var,
## prob_threshold): Using default probability threshold: 0.3## [1] "Inaccurate: "
## ComplaintID CDisputed.fctr CDisputed.fctr.All.X..rcv.gbm.prob
## 1 1629220 Y 0.07787470
## 2 1617605 Y 0.06894698
## 3 1604897 Y 0.12286309
## 4 1617632 Y 0.07065278
## 5 1623363 Y 0.06967546
## 6 1622364 Y NA
## CDisputed.fctr.All.X..rcv.gbm CDisputed.fctr.All.X..rcv.gbm.err
## 1 N TRUE
## 2 N TRUE
## 3 N TRUE
## 4 N TRUE
## 5 N TRUE
## 6 <NA> NA
## CDisputed.fctr.All.X..rcv.gbm.err.abs
## 1 0.9221253
## 2 0.9310530
## 3 0.8771369
## 4 0.9293472
## 5 0.9303245
## 6 NA
## CDisputed.fctr.All.X..rcv.gbm.is.acc CDisputed.fctr.Trn.All.X...gbm.prob
## 1 FALSE 0.06857314
## 2 FALSE 0.07100971
## 3 FALSE 0.07256382
## 4 FALSE 0.07438355
## 5 FALSE 0.07958278
## 6 NA 0.08062045
## CDisputed.fctr.Trn.All.X...gbm CDisputed.fctr.Trn.All.X...gbm.err
## 1 N TRUE
## 2 N TRUE
## 3 N TRUE
## 4 N TRUE
## 5 N TRUE
## 6 N TRUE
## CDisputed.fctr.Trn.All.X...gbm.err.abs
## 1 0.9314269
## 2 0.9289903
## 3 0.9274362
## 4 0.9256164
## 5 0.9204172
## 6 0.9193796
## CDisputed.fctr.Trn.All.X...gbm.is.acc
## 1 FALSE
## 2 FALSE
## 3 FALSE
## 4 FALSE
## 5 FALSE
## 6 FALSE
## CDisputed.fctr.Trn.All.X...gbm.accurate
## 1 FALSE
## 2 FALSE
## 3 FALSE
## 4 FALSE
## 5 FALSE
## 6 FALSE
## CDisputed.fctr.Trn.All.X...gbm.error
## 1 -0.2314269
## 2 -0.2289903
## 3 -0.2274362
## 4 -0.2256164
## 5 -0.2204172
## 6 -0.2193796
## ComplaintID CDisputed.fctr CDisputed.fctr.All.X..rcv.gbm.prob
## 18 1618050 Y 0.09394382
## 79 1295778 Y 0.27719076
## 161 1559925 N NA
## 182 1991234 N 0.21313308
## 303 1543477 N 0.33144660
## 407 1947125 N 0.39173095
## CDisputed.fctr.All.X..rcv.gbm CDisputed.fctr.All.X..rcv.gbm.err
## 18 N TRUE
## 79 N TRUE
## 161 <NA> NA
## 182 N FALSE
## 303 Y TRUE
## 407 Y TRUE
## CDisputed.fctr.All.X..rcv.gbm.err.abs
## 18 0.9060562
## 79 0.7228092
## 161 NA
## 182 0.2131331
## 303 0.3314466
## 407 0.3917309
## CDisputed.fctr.All.X..rcv.gbm.is.acc
## 18 FALSE
## 79 FALSE
## 161 NA
## 182 TRUE
## 303 FALSE
## 407 FALSE
## CDisputed.fctr.Trn.All.X...gbm.prob CDisputed.fctr.Trn.All.X...gbm
## 18 0.1216920 N
## 79 0.2490481 N
## 161 0.3104005 Y
## 182 0.3202365 Y
## 303 0.3881265 Y
## 407 0.5844274 Y
## CDisputed.fctr.Trn.All.X...gbm.err
## 18 TRUE
## 79 TRUE
## 161 TRUE
## 182 TRUE
## 303 TRUE
## 407 TRUE
## CDisputed.fctr.Trn.All.X...gbm.err.abs
## 18 0.8783080
## 79 0.7509519
## 161 0.3104005
## 182 0.3202365
## 303 0.3881265
## 407 0.5844274
## CDisputed.fctr.Trn.All.X...gbm.is.acc
## 18 FALSE
## 79 FALSE
## 161 FALSE
## 182 FALSE
## 303 FALSE
## 407 FALSE
## CDisputed.fctr.Trn.All.X...gbm.accurate
## 18 FALSE
## 79 FALSE
## 161 FALSE
## 182 FALSE
## 303 FALSE
## 407 FALSE
## CDisputed.fctr.Trn.All.X...gbm.error
## 18 -0.17830805
## 79 -0.05095189
## 161 0.01040053
## 182 0.02023653
## 303 0.08812646
## 407 0.28442744
## ComplaintID CDisputed.fctr CDisputed.fctr.All.X..rcv.gbm.prob
## 407 1947125 N 0.3917309
## 408 2039882 N NA
## 409 1946136 N NA
## 410 1916090 N NA
## 411 2007045 N NA
## 412 1375515 N 0.4340236
## CDisputed.fctr.All.X..rcv.gbm CDisputed.fctr.All.X..rcv.gbm.err
## 407 Y TRUE
## 408 <NA> NA
## 409 <NA> NA
## 410 <NA> NA
## 411 <NA> NA
## 412 Y TRUE
## CDisputed.fctr.All.X..rcv.gbm.err.abs
## 407 0.3917309
## 408 NA
## 409 NA
## 410 NA
## 411 NA
## 412 0.4340236
## CDisputed.fctr.All.X..rcv.gbm.is.acc
## 407 FALSE
## 408 NA
## 409 NA
## 410 NA
## 411 NA
## 412 FALSE
## CDisputed.fctr.Trn.All.X...gbm.prob CDisputed.fctr.Trn.All.X...gbm
## 407 0.5844274 Y
## 408 0.5921506 Y
## 409 0.5995884 Y
## 410 0.6022103 Y
## 411 0.6257016 Y
## 412 0.6871383 Y
## CDisputed.fctr.Trn.All.X...gbm.err
## 407 TRUE
## 408 TRUE
## 409 TRUE
## 410 TRUE
## 411 TRUE
## 412 TRUE
## CDisputed.fctr.Trn.All.X...gbm.err.abs
## 407 0.5844274
## 408 0.5921506
## 409 0.5995884
## 410 0.6022103
## 411 0.6257016
## 412 0.6871383
## CDisputed.fctr.Trn.All.X...gbm.is.acc
## 407 FALSE
## 408 FALSE
## 409 FALSE
## 410 FALSE
## 411 FALSE
## 412 FALSE
## CDisputed.fctr.Trn.All.X...gbm.accurate
## 407 FALSE
## 408 FALSE
## 409 FALSE
## 410 FALSE
## 411 FALSE
## 412 FALSE
## CDisputed.fctr.Trn.All.X...gbm.error
## 407 0.2844274
## 408 0.2921506
## 409 0.2995884
## 410 0.3022103
## 411 0.3257016
## 412 0.3871383## Scale for 'colour' is already present. Adding another scale for
## 'colour', which will replace the existing scale.
dsp_feats_vctr <- c(NULL)
for(var in grep(".imp", names(glb_feats_df), fixed=TRUE, value=TRUE))
dsp_feats_vctr <- union(dsp_feats_vctr,
glb_feats_df[!is.na(glb_feats_df[, var]), "id"])
# print(glbObsTrn[glbObsTrn$UniqueID %in% FN_OOB_ids,
# grep(glb_rsp_var, names(glbObsTrn), value=TRUE)])
# print(setdiff(names(glbObsTrn), names(glbObsAll)))
# for (col in setdiff(names(glbObsTrn), names(glbObsAll)))
# # Merge or cbind ?
# glbObsAll[glbObsAll$.src == "Train", col] <- glbObsTrn[, col]
#
# print(setdiff(names(glbObsFit), names(glbObsAll)))
# print(setdiff(names(glbObsOOB), names(glbObsAll)))
# for (col in setdiff(names(glbObsOOB), names(glbObsAll)))
# # Merge or cbind ?
# glbObsAll[glbObsAll$.lcn == "OOB", col] <- glbObsOOB[, col]
#
# print(setdiff(names(glbObsNew), names(glbObsAll)))
#glb2Sav(); all.equal(savObsAll, glbObsAll); all.equal(sav_models_lst, glb_models_lst)
#load(file = paste0(glbOut$pfx, "dsk_knitr.RData"))
#cmpCols <- names(glbObsAll)[!grepl("\\.Final\\.", names(glbObsAll))]; all.equal(savObsAll[, cmpCols], glbObsAll[, cmpCols]); all.equal(savObsAll[, "H.P.http"], glbObsAll[, "H.P.http"]);
replay.petrisim(pn = glb_analytics_pn,
replay.trans = (glb_analytics_avl_objs <- c(glb_analytics_avl_objs,
"data.training.all.prediction","model.final")), flip_coord = TRUE)## time trans "bgn " "fit.data.training.all " "predict.data.new " "end "
## 0.0000 multiple enabled transitions: data.training.all data.new model.selected firing: model.selected
## 1.0000 3 2 1 0 0
## 1.0000 multiple enabled transitions: data.training.all data.new model.selected model.final data.training.all.prediction firing: data.training.all.prediction
## 2.0000 5 2 0 0 1## Warning in replay.petrisim(pn = glb_analytics_pn, replay.trans =
## (glb_analytics_avl_objs <- c(glb_analytics_avl_objs, : Transition:
## model.final not enabled; adding missing token(s)## Warning in replay.petrisim(pn = glb_analytics_pn, replay.trans
## = (glb_analytics_avl_objs <- c(glb_analytics_avl_objs, : Place:
## fit.data.training.all: added 1 missing token## 2.0000 multiple enabled transitions: data.training.all data.new model.selected model.final data.training.all.prediction firing: model.final
## 3.0000 4 2 0 1 1
glb_chunks_df <- myadd_chunk(glb_chunks_df, "predict.data.new", major.inc = TRUE)## label step_major step_minor label_minor bgn end
## 7 fit.data.training 3 1 1 474.423 1153.384
## 8 predict.data.new 4 0 0 1153.384 NA
## elapsed
## 7 678.961
## 8 NAStep 4.0: predict data new
## Warning in glb_get_predictions(obs_df, mdl_id = glbMdlFnlNslId, rsp_var =
## glb_rsp_var, : Using default probability threshold: 0.3## Warning in glb_get_predictions(obs_df, mdl_id = glbMdlFnlRslId, rsp_var =
## glb_rsp_var, : Using default probability threshold: 0.3## Warning in glb_get_predictions(obs_df, mdl_id = glbMdlFnlNslId, rsp_var =
## glb_rsp_var, : Using default probability threshold: 0.3## Warning in glb_get_predictions(obs_df, mdl_id = glbMdlFnlRslId, rsp_var =
## glb_rsp_var, : Using default probability threshold: 0.3## Warning in glb_analytics_diag_plots(obs_df = glbObsNew, mdl_id =
## glbMdlFnlNslId, : Limiting important feature scatter plots to 5 out of 36
## [1] "Min/Max Boundaries: "
## ComplaintID CDisputed.fctr CDisputed.fctr.Trn.All.X...gbm.prob
## 1 1828373 <NA> 0.2849228
## 2 1145704 <NA> 0.5392814
## 3 2006845 <NA> 0.3296458
## 4 2143905 <NA> 0.5620565
## CDisputed.fctr.Trn.All.X...gbm CDisputed.fctr.Trn.All.X...gbm.err
## 1 N NA
## 2 Y NA
## 3 Y NA
## 4 Y NA
## CDisputed.fctr.Trn.All.X...gbm.err.abs
## 1 NA
## 2 NA
## 3 NA
## 4 NA
## CDisputed.fctr.Trn.All.X...gbm.is.acc
## 1 NA
## 2 NA
## 3 NA
## 4 NA
## CDisputed.fctr.Trn.All.X..rcv.gbm.prob CDisputed.fctr.Trn.All.X..rcv.gbm
## 1 0.2538368 N
## 2 0.4378269 Y
## 3 0.4081054 Y
## 4 0.5646520 Y
## CDisputed.fctr.Trn.All.X..rcv.gbm.err
## 1 NA
## 2 NA
## 3 NA
## 4 NA
## CDisputed.fctr.Trn.All.X..rcv.gbm.err.abs
## 1 NA
## 2 NA
## 3 NA
## 4 NA
## CDisputed.fctr.Trn.All.X..rcv.gbm.is.acc
## 1 NA
## 2 NA
## 3 NA
## 4 NA
## CDisputed.fctr.All.X..rcv.gbm.prob CDisputed.fctr.All.X..rcv.gbm
## 1 0.2602097 N
## 2 0.4958411 Y
## 3 0.3015976 Y
## 4 0.5384280 Y
## CDisputed.fctr.All.X..rcv.gbm.err CDisputed.fctr.All.X..rcv.gbm.err.abs
## 1 NA NA
## 2 NA NA
## 3 NA NA
## 4 NA NA
## CDisputed.fctr.All.X..rcv.gbm.is.acc
## 1 NA
## 2 NA
## 3 NA
## 4 NA
## CDisputed.fctr.Trn.All.X...gbm.accurate
## 1 NA
## 2 NA
## 3 NA
## 4 NA
## CDisputed.fctr.Trn.All.X...gbm.error .label
## 1 0 1828373
## 2 0 1145704
## 3 0 2006845
## 4 0 2143905## Warning in glb_get_predictions(df = tileDf, mdl$.myId, rsp_var,
## prob_threshold): Using default probability threshold: 0.3## Scale for 'colour' is already present. Adding another scale for
## 'colour', which will replace the existing scale.
## [1] "Min/Max Boundaries: "
## ComplaintID CDisputed.fctr CDisputed.fctr.Trn.All.X...gbm.prob
## 1 1145704 <NA> 0.5392814
## 2 2006845 <NA> 0.3296458
## 3 2143905 <NA> 0.5620565
## 4 2148649 <NA> 0.3744149
## CDisputed.fctr.Trn.All.X...gbm CDisputed.fctr.Trn.All.X...gbm.err
## 1 Y NA
## 2 Y NA
## 3 Y NA
## 4 Y NA
## CDisputed.fctr.Trn.All.X...gbm.err.abs
## 1 NA
## 2 NA
## 3 NA
## 4 NA
## CDisputed.fctr.Trn.All.X...gbm.is.acc
## 1 NA
## 2 NA
## 3 NA
## 4 NA
## CDisputed.fctr.Trn.All.X..rcv.gbm.prob CDisputed.fctr.Trn.All.X..rcv.gbm
## 1 0.4378269 Y
## 2 0.4081054 Y
## 3 0.5646520 Y
## 4 0.6008686 Y
## CDisputed.fctr.Trn.All.X..rcv.gbm.err
## 1 NA
## 2 NA
## 3 NA
## 4 NA
## CDisputed.fctr.Trn.All.X..rcv.gbm.err.abs
## 1 NA
## 2 NA
## 3 NA
## 4 NA
## CDisputed.fctr.Trn.All.X..rcv.gbm.is.acc
## 1 NA
## 2 NA
## 3 NA
## 4 NA
## CDisputed.fctr.All.X..rcv.gbm.prob CDisputed.fctr.All.X..rcv.gbm
## 1 0.4958411 Y
## 2 0.3015976 Y
## 3 0.5384280 Y
## 4 0.6273113 Y
## CDisputed.fctr.All.X..rcv.gbm.err CDisputed.fctr.All.X..rcv.gbm.err.abs
## 1 NA NA
## 2 NA NA
## 3 NA NA
## 4 NA NA
## CDisputed.fctr.All.X..rcv.gbm.is.acc
## 1 NA
## 2 NA
## 3 NA
## 4 NA
## CDisputed.fctr.Trn.All.X...gbm.accurate
## 1 NA
## 2 NA
## 3 NA
## 4 NA
## CDisputed.fctr.Trn.All.X...gbm.error .label
## 1 0 1145704
## 2 0 2006845
## 3 0 2143905
## 4 0 2148649## Warning in glb_get_predictions(df = tileDf, mdl$.myId, rsp_var,
## prob_threshold): Using default probability threshold: 0.3## Scale for 'colour' is already present. Adding another scale for
## 'colour', which will replace the existing scale.
## Loading required package: tidyr##
## Attaching package: 'tidyr'## The following object is masked from 'package:Matrix':
##
## expand## The following object is masked from 'package:reshape2':
##
## smiths## [1] "OOBobs CDisputed.fctr.All.X..rcv.gbm Y: min < min of Train range: 6"
## ComplaintID CDisputed.fctr.All.X..rcv.gbm Datereceived.juliandate
## 92028 1724708 Y 1
## 92238 1725973 Y 3
## 231307 1727348 Y 4
## 326391 1179941 Y 4
## 463543 1178559 Y 2
## 464263 1179897 Y 4
## Datesenttocompany.juliandate
## 92028 1
## 92238 3
## 231307 4
## 326391 4
## 463543 2
## 464263 4
## id cor.y
## Datereceived.juliandate Datereceived.juliandate -0.06767976
## Datesenttocompany.juliandate Datesenttocompany.juliandate -0.06767976
## exclude.as.feat cor.y.abs
## Datereceived.juliandate FALSE 0.06767976
## Datesenttocompany.juliandate FALSE 0.06767976
## cor.high.X freqRatio
## Datereceived.juliandate <NA> 1.532258
## Datesenttocompany.juliandate Datereceived.juliandate 1.532258
## percentUnique zeroVar nzv is.cor.y.abs.low
## Datereceived.juliandate 12.37365 FALSE FALSE FALSE
## Datesenttocompany.juliandate 12.37365 FALSE FALSE FALSE
## interaction.feat shapiro.test.p.value
## Datereceived.juliandate <NA> 1.228256e-37
## Datesenttocompany.juliandate <NA> 1.228256e-37
## rsp_var_raw id_var rsp_var max min
## Datereceived.juliandate FALSE NA NA 365 1
## Datesenttocompany.juliandate FALSE NA NA 365 1
## max.CDisputed.fctr.N max.CDisputed.fctr.Y
## Datereceived.juliandate 365 365
## Datesenttocompany.juliandate 365 365
## min.CDisputed.fctr.N min.CDisputed.fctr.Y
## Datereceived.juliandate 2 5
## Datesenttocompany.juliandate 2 5
## max.CDisputed.fctr.All.X..rcv.gbm.N
## Datereceived.juliandate 365
## Datesenttocompany.juliandate 365
## max.CDisputed.fctr.All.X..rcv.gbm.Y
## Datereceived.juliandate 365
## Datesenttocompany.juliandate 365
## min.CDisputed.fctr.All.X..rcv.gbm.N
## Datereceived.juliandate 1
## Datesenttocompany.juliandate 1
## min.CDisputed.fctr.All.X..rcv.gbm.Y
## Datereceived.juliandate 1
## Datesenttocompany.juliandate 1
## max.CDisputed.fctr.Trn.All.X...gbm.N
## Datereceived.juliandate 266
## Datesenttocompany.juliandate 266
## max.CDisputed.fctr.Trn.All.X...gbm.Y
## Datereceived.juliandate 340
## Datesenttocompany.juliandate 340
## min.CDisputed.fctr.Trn.All.X...gbm.N
## Datereceived.juliandate 71
## Datesenttocompany.juliandate 71
## min.CDisputed.fctr.Trn.All.X...gbm.Y
## Datereceived.juliandate 194
## Datesenttocompany.juliandate 194
## [1] "OOBobs CDisputed.fctr.All.X..rcv.gbm Y: max > max of Train range: 3"
## ComplaintID CDisputed.fctr.All.X..rcv.gbm Datereceived.last2.log1p
## 181456 1086443 Y 11.36675
## 187791 1172781 Y 12.97618
## 455386 1067244 Y 11.36675
## Datereceived.last32.log1p Datereceived.last8.log1p
## 181456 14.41127 12.46536
## 187791 14.25712 13.31265
## 455386 14.19996 13.44619
## Datesenttocompany.last2.log1p Datesenttocompany.last32.log1p
## 181456 11.36675 14.41127
## 187791 12.97618 14.25712
## 455386 11.36675 14.19996
## Datesenttocompany.last8.log1p
## 181456 12.46536
## 187791 13.31265
## 455386 13.44619
## id cor.y
## Datereceived.last2.log1p Datereceived.last2.log1p 0.1598495
## Datereceived.last32.log1p Datereceived.last32.log1p 0.1220227
## Datereceived.last8.log1p Datereceived.last8.log1p 0.1641684
## Datesenttocompany.last2.log1p Datesenttocompany.last2.log1p 0.1598495
## Datesenttocompany.last32.log1p Datesenttocompany.last32.log1p 0.1220227
## Datesenttocompany.last8.log1p Datesenttocompany.last8.log1p 0.1641684
## exclude.as.feat cor.y.abs
## Datereceived.last2.log1p FALSE 0.1598495
## Datereceived.last32.log1p FALSE 0.1220227
## Datereceived.last8.log1p FALSE 0.1641684
## Datesenttocompany.last2.log1p FALSE 0.1598495
## Datesenttocompany.last32.log1p FALSE 0.1220227
## Datesenttocompany.last8.log1p FALSE 0.1641684
## cor.high.X freqRatio
## Datereceived.last2.log1p <NA> 1.735692
## Datereceived.last32.log1p <NA> 1.244681
## Datereceived.last8.log1p <NA> 1.109428
## Datesenttocompany.last2.log1p Datereceived.last2.log1p 1.735692
## Datesenttocompany.last32.log1p Datereceived.last32.log1p 1.244681
## Datesenttocompany.last8.log1p Datereceived.last8.log1p 1.109428
## percentUnique zeroVar nzv
## Datereceived.last2.log1p 0.2091321 FALSE FALSE
## Datereceived.last32.log1p 0.8016731 FALSE FALSE
## Datereceived.last8.log1p 0.3485535 FALSE FALSE
## Datesenttocompany.last2.log1p 0.2091321 FALSE FALSE
## Datesenttocompany.last32.log1p 0.8016731 FALSE FALSE
## Datesenttocompany.last8.log1p 0.3485535 FALSE FALSE
## is.cor.y.abs.low interaction.feat
## Datereceived.last2.log1p FALSE <NA>
## Datereceived.last32.log1p FALSE <NA>
## Datereceived.last8.log1p FALSE <NA>
## Datesenttocompany.last2.log1p FALSE <NA>
## Datesenttocompany.last32.log1p FALSE <NA>
## Datesenttocompany.last8.log1p FALSE <NA>
## shapiro.test.p.value rsp_var_raw id_var
## Datereceived.last2.log1p 8.048167e-61 FALSE NA
## Datereceived.last32.log1p 2.639137e-68 FALSE NA
## Datereceived.last8.log1p 1.186397e-63 FALSE NA
## Datesenttocompany.last2.log1p 8.048167e-61 FALSE NA
## Datesenttocompany.last32.log1p 2.639137e-68 FALSE NA
## Datesenttocompany.last8.log1p 1.186397e-63 FALSE NA
## rsp_var max min max.CDisputed.fctr.N
## Datereceived.last2.log1p NA 12.97618 0 12.97618
## Datereceived.last32.log1p NA 14.41127 0 14.45779
## Datereceived.last8.log1p NA 13.76464 0 13.44619
## Datesenttocompany.last2.log1p NA 12.97618 0 12.97618
## Datesenttocompany.last32.log1p NA 14.41127 0 14.45779
## Datesenttocompany.last8.log1p NA 13.76464 0 13.44619
## max.CDisputed.fctr.Y min.CDisputed.fctr.N
## Datereceived.last2.log1p 12.75304 0
## Datereceived.last32.log1p 14.36248 0
## Datereceived.last8.log1p 13.31265 0
## Datesenttocompany.last2.log1p 12.75304 0
## Datesenttocompany.last32.log1p 14.36248 0
## Datesenttocompany.last8.log1p 13.31265 0
## min.CDisputed.fctr.Y
## Datereceived.last2.log1p 0
## Datereceived.last32.log1p 0
## Datereceived.last8.log1p 0
## Datesenttocompany.last2.log1p 0
## Datesenttocompany.last32.log1p 0
## Datesenttocompany.last8.log1p 0
## max.CDisputed.fctr.All.X..rcv.gbm.N
## Datereceived.last2.log1p 12.97618
## Datereceived.last32.log1p 14.41127
## Datereceived.last8.log1p 13.76464
## Datesenttocompany.last2.log1p 12.97618
## Datesenttocompany.last32.log1p 14.41127
## Datesenttocompany.last8.log1p 13.76464
## max.CDisputed.fctr.All.X..rcv.gbm.Y
## Datereceived.last2.log1p 12.97618
## Datereceived.last32.log1p 14.41127
## Datereceived.last8.log1p 13.44619
## Datesenttocompany.last2.log1p 12.97618
## Datesenttocompany.last32.log1p 14.41127
## Datesenttocompany.last8.log1p 13.44619
## min.CDisputed.fctr.All.X..rcv.gbm.N
## Datereceived.last2.log1p 0
## Datereceived.last32.log1p 0
## Datereceived.last8.log1p 0
## Datesenttocompany.last2.log1p 0
## Datesenttocompany.last32.log1p 0
## Datesenttocompany.last8.log1p 0
## min.CDisputed.fctr.All.X..rcv.gbm.Y
## Datereceived.last2.log1p 0.00000
## Datereceived.last32.log1p 12.75304
## Datereceived.last8.log1p 0.00000
## Datesenttocompany.last2.log1p 0.00000
## Datesenttocompany.last32.log1p 12.75304
## Datesenttocompany.last8.log1p 0.00000
## max.CDisputed.fctr.Trn.All.X...gbm.N
## Datereceived.last2.log1p 11.36675
## Datereceived.last32.log1p 13.93169
## Datereceived.last8.log1p 12.97618
## Datesenttocompany.last2.log1p 11.36675
## Datesenttocompany.last32.log1p 13.93169
## Datesenttocompany.last8.log1p 12.97618
## max.CDisputed.fctr.Trn.All.X...gbm.Y
## Datereceived.last2.log1p 12.75304
## Datereceived.last32.log1p 14.19996
## Datereceived.last8.log1p 13.44619
## Datesenttocompany.last2.log1p 12.75304
## Datesenttocompany.last32.log1p 14.19996
## Datesenttocompany.last8.log1p 13.44619
## min.CDisputed.fctr.Trn.All.X...gbm.N
## Datereceived.last2.log1p 0.00000
## Datereceived.last32.log1p 13.31265
## Datereceived.last8.log1p 11.36675
## Datesenttocompany.last2.log1p 0.00000
## Datesenttocompany.last32.log1p 13.31265
## Datesenttocompany.last8.log1p 11.36675
## min.CDisputed.fctr.Trn.All.X...gbm.Y
## Datereceived.last2.log1p 0.00000
## Datereceived.last32.log1p 13.31265
## Datereceived.last8.log1p 11.36675
## Datesenttocompany.last2.log1p 0.00000
## Datesenttocompany.last32.log1p 13.31265
## Datesenttocompany.last8.log1p 11.36675
## [1] "OOBobs CDisputed.fctr.All.X..rcv.gbm N: min < min of Train range: 1"
## ComplaintID CDisputed.fctr.All.X..rcv.gbm Datereceived.juliandate
## 186792 1178048 N 1
## Datesenttocompany.juliandate
## 186792 1
## id cor.y
## Datereceived.juliandate Datereceived.juliandate -0.06767976
## Datesenttocompany.juliandate Datesenttocompany.juliandate -0.06767976
## exclude.as.feat cor.y.abs
## Datereceived.juliandate FALSE 0.06767976
## Datesenttocompany.juliandate FALSE 0.06767976
## cor.high.X freqRatio
## Datereceived.juliandate <NA> 1.532258
## Datesenttocompany.juliandate Datereceived.juliandate 1.532258
## percentUnique zeroVar nzv is.cor.y.abs.low
## Datereceived.juliandate 12.37365 FALSE FALSE FALSE
## Datesenttocompany.juliandate 12.37365 FALSE FALSE FALSE
## interaction.feat shapiro.test.p.value
## Datereceived.juliandate <NA> 1.228256e-37
## Datesenttocompany.juliandate <NA> 1.228256e-37
## rsp_var_raw id_var rsp_var max min
## Datereceived.juliandate FALSE NA NA 365 1
## Datesenttocompany.juliandate FALSE NA NA 365 1
## max.CDisputed.fctr.N max.CDisputed.fctr.Y
## Datereceived.juliandate 365 365
## Datesenttocompany.juliandate 365 365
## min.CDisputed.fctr.N min.CDisputed.fctr.Y
## Datereceived.juliandate 2 5
## Datesenttocompany.juliandate 2 5
## max.CDisputed.fctr.All.X..rcv.gbm.N
## Datereceived.juliandate 365
## Datesenttocompany.juliandate 365
## max.CDisputed.fctr.All.X..rcv.gbm.Y
## Datereceived.juliandate 365
## Datesenttocompany.juliandate 365
## min.CDisputed.fctr.All.X..rcv.gbm.N
## Datereceived.juliandate 1
## Datesenttocompany.juliandate 1
## min.CDisputed.fctr.All.X..rcv.gbm.Y
## Datereceived.juliandate 1
## Datesenttocompany.juliandate 1
## max.CDisputed.fctr.Trn.All.X...gbm.N
## Datereceived.juliandate 266
## Datesenttocompany.juliandate 266
## max.CDisputed.fctr.Trn.All.X...gbm.Y
## Datereceived.juliandate 340
## Datesenttocompany.juliandate 340
## min.CDisputed.fctr.Trn.All.X...gbm.N
## Datereceived.juliandate 71
## Datesenttocompany.juliandate 71
## min.CDisputed.fctr.Trn.All.X...gbm.Y
## Datereceived.juliandate 194
## Datesenttocompany.juliandate 194
## [1] "OOBobs CDisputed.fctr.All.X..rcv.gbm N: max > max of Train range: 2"
## ComplaintID CDisputed.fctr.All.X..rcv.gbm Datereceived.last16.log1p
## 43666 1073908 N 14.0058
## 179644 1069277 N 14.0058
## Datereceived.last8.log1p Datesenttocompany.last16.log1p
## 43666 13.15850 14.0058
## 179644 13.76464 14.0058
## Datesenttocompany.last8.log1p
## 43666 13.15850
## 179644 13.76464
## id cor.y
## Datereceived.last16.log1p Datereceived.last16.log1p 0.1508928
## Datereceived.last8.log1p Datereceived.last8.log1p 0.1641684
## Datesenttocompany.last16.log1p Datesenttocompany.last16.log1p 0.1508928
## Datesenttocompany.last8.log1p Datesenttocompany.last8.log1p 0.1641684
## exclude.as.feat cor.y.abs
## Datereceived.last16.log1p FALSE 0.1508928
## Datereceived.last8.log1p FALSE 0.1641684
## Datesenttocompany.last16.log1p FALSE 0.1508928
## Datesenttocompany.last8.log1p FALSE 0.1641684
## cor.high.X freqRatio
## Datereceived.last16.log1p Datereceived.last8.log1p 1.096698
## Datereceived.last8.log1p <NA> 1.109428
## Datesenttocompany.last16.log1p Datereceived.last16.log1p 1.096698
## Datesenttocompany.last8.log1p Datereceived.last8.log1p 1.109428
## percentUnique zeroVar nzv
## Datereceived.last16.log1p 0.5228303 FALSE FALSE
## Datereceived.last8.log1p 0.3485535 FALSE FALSE
## Datesenttocompany.last16.log1p 0.5228303 FALSE FALSE
## Datesenttocompany.last8.log1p 0.3485535 FALSE FALSE
## is.cor.y.abs.low interaction.feat
## Datereceived.last16.log1p FALSE <NA>
## Datereceived.last8.log1p FALSE <NA>
## Datesenttocompany.last16.log1p FALSE <NA>
## Datesenttocompany.last8.log1p FALSE <NA>
## shapiro.test.p.value rsp_var_raw id_var
## Datereceived.last16.log1p 4.805450e-66 FALSE NA
## Datereceived.last8.log1p 1.186397e-63 FALSE NA
## Datesenttocompany.last16.log1p 4.805450e-66 FALSE NA
## Datesenttocompany.last8.log1p 1.186397e-63 FALSE NA
## rsp_var max min max.CDisputed.fctr.N
## Datereceived.last16.log1p NA 14.00580 0 13.93169
## Datereceived.last8.log1p NA 13.76464 0 13.44619
## Datesenttocompany.last16.log1p NA 14.00580 0 13.93169
## Datesenttocompany.last8.log1p NA 13.76464 0 13.44619
## max.CDisputed.fctr.Y min.CDisputed.fctr.N
## Datereceived.last16.log1p 13.93169 0
## Datereceived.last8.log1p 13.31265 0
## Datesenttocompany.last16.log1p 13.93169 0
## Datesenttocompany.last8.log1p 13.31265 0
## min.CDisputed.fctr.Y
## Datereceived.last16.log1p 0
## Datereceived.last8.log1p 0
## Datesenttocompany.last16.log1p 0
## Datesenttocompany.last8.log1p 0
## max.CDisputed.fctr.All.X..rcv.gbm.N
## Datereceived.last16.log1p 14.00580
## Datereceived.last8.log1p 13.76464
## Datesenttocompany.last16.log1p 14.00580
## Datesenttocompany.last8.log1p 13.76464
## max.CDisputed.fctr.All.X..rcv.gbm.Y
## Datereceived.last16.log1p 13.85165
## Datereceived.last8.log1p 13.44619
## Datesenttocompany.last16.log1p 13.85165
## Datesenttocompany.last8.log1p 13.44619
## min.CDisputed.fctr.All.X..rcv.gbm.N
## Datereceived.last16.log1p 0
## Datereceived.last8.log1p 0
## Datesenttocompany.last16.log1p 0
## Datesenttocompany.last8.log1p 0
## min.CDisputed.fctr.All.X..rcv.gbm.Y
## Datereceived.last16.log1p 11.36675
## Datereceived.last8.log1p 0.00000
## Datesenttocompany.last16.log1p 11.36675
## Datesenttocompany.last8.log1p 0.00000
## max.CDisputed.fctr.Trn.All.X...gbm.N
## Datereceived.last16.log1p 13.44619
## Datereceived.last8.log1p 12.97618
## Datesenttocompany.last16.log1p 13.44619
## Datesenttocompany.last8.log1p 12.97618
## max.CDisputed.fctr.Trn.All.X...gbm.Y
## Datereceived.last16.log1p 13.85165
## Datereceived.last8.log1p 13.44619
## Datesenttocompany.last16.log1p 13.85165
## Datesenttocompany.last8.log1p 13.44619
## min.CDisputed.fctr.Trn.All.X...gbm.N
## Datereceived.last16.log1p 12.05990
## Datereceived.last8.log1p 11.36675
## Datesenttocompany.last16.log1p 12.05990
## Datesenttocompany.last8.log1p 11.36675
## min.CDisputed.fctr.Trn.All.X...gbm.Y
## Datereceived.last16.log1p 12.05990
## Datereceived.last8.log1p 11.36675
## Datesenttocompany.last16.log1p 12.05990
## Datesenttocompany.last8.log1p 11.36675
## [1] "OOBobs total range outliers: 12"
## [1] "newobs CDisputed.fctr.Trn.All.X...gbm Y: max > max of Train range: 1"
## ComplaintID CDisputed.fctr.Trn.All.X...gbm Datereceived.last8.log1p
## 646016 2148649 Y 13.44619
## Datesenttocompany.last8.log1p
## 646016 13.44619
## id cor.y
## Datereceived.last8.log1p Datereceived.last8.log1p 0.1641684
## Datesenttocompany.last8.log1p Datesenttocompany.last8.log1p 0.1641684
## exclude.as.feat cor.y.abs
## Datereceived.last8.log1p FALSE 0.1641684
## Datesenttocompany.last8.log1p FALSE 0.1641684
## cor.high.X freqRatio
## Datereceived.last8.log1p <NA> 1.109428
## Datesenttocompany.last8.log1p Datereceived.last8.log1p 1.109428
## percentUnique zeroVar nzv is.cor.y.abs.low
## Datereceived.last8.log1p 0.3485535 FALSE FALSE FALSE
## Datesenttocompany.last8.log1p 0.3485535 FALSE FALSE FALSE
## interaction.feat shapiro.test.p.value
## Datereceived.last8.log1p <NA> 1.186397e-63
## Datesenttocompany.last8.log1p <NA> 1.186397e-63
## rsp_var_raw id_var rsp_var max min
## Datereceived.last8.log1p FALSE NA NA 13.76464 0
## Datesenttocompany.last8.log1p FALSE NA NA 13.76464 0
## max.CDisputed.fctr.N max.CDisputed.fctr.Y
## Datereceived.last8.log1p 13.76464 13.31265
## Datesenttocompany.last8.log1p 13.76464 13.31265
## min.CDisputed.fctr.N min.CDisputed.fctr.Y
## Datereceived.last8.log1p 0 0
## Datesenttocompany.last8.log1p 0 0
## max.CDisputed.fctr.All.X..rcv.gbm.N
## Datereceived.last8.log1p 13.76464
## Datesenttocompany.last8.log1p 13.76464
## max.CDisputed.fctr.All.X..rcv.gbm.Y
## Datereceived.last8.log1p 13.44619
## Datesenttocompany.last8.log1p 13.44619
## min.CDisputed.fctr.All.X..rcv.gbm.N
## Datereceived.last8.log1p 0
## Datesenttocompany.last8.log1p 0
## min.CDisputed.fctr.All.X..rcv.gbm.Y
## Datereceived.last8.log1p 0
## Datesenttocompany.last8.log1p 0
## max.CDisputed.fctr.Trn.All.X...gbm.N
## Datereceived.last8.log1p 12.97618
## Datesenttocompany.last8.log1p 12.97618
## max.CDisputed.fctr.Trn.All.X...gbm.Y
## Datereceived.last8.log1p 13.44619
## Datesenttocompany.last8.log1p 13.44619
## min.CDisputed.fctr.Trn.All.X...gbm.N
## Datereceived.last8.log1p 11.36675
## Datesenttocompany.last8.log1p 11.36675
## min.CDisputed.fctr.Trn.All.X...gbm.Y
## Datereceived.last8.log1p 11.36675
## Datesenttocompany.last8.log1p 11.36675
## [1] "newobs total range outliers: 1"## [1] 0.3## [1] "glbMdlSltId: All.X##rcv#gbm"## [1] "glbMdlFnlNslId: Trn.All.X###gbm"## [1] "Cross Validation issues:"## Warning in glbgetDisplayModelsDf(): Cross Validation issues:## MFO###myMFO_classfr Random###myrandom_classfr
## 0 0
## Max.cor.Y.rcv.1X1###glmnet Max.cor.Y##rcv#rpart
## 0 1
## Trn.All.X###gbm
## 0## max.Accuracy.OOB max.AUCROCR.OOB
## MFO###myMFO_classfr 0.9442988 0.5000000
## Max.cor.Y##rcv#rpart 0.9442988 0.5000000
## All.X##rcv#gbm 0.7103539 0.7077030
## Random###myrandom_classfr 0.7038008 0.5110422
## Low.cor.X##rcv#glmnet 0.7011796 0.7259379
## All.X##rcv#bayesglm 0.6625164 0.7226068
## All.X##rcv#glm 0.6467890 0.7239744
## Max.cor.Y.Time.Lag##rcv#glmnet 0.6310616 0.6912112
## All.X##rcv#glmnet 0.6028834 0.7250398
## Max.cor.Y.rcv.1X1###glmnet 0.5688073 0.6828591
## All.X##rcv#rf 0.5543906 0.7074458
## Trn.All.X###gbm NA NA
## Trn.All.X##rcv#gbm NA NA
## max.AUCpROC.OOB min.elapsedtime.everything
## MFO###myMFO_classfr 0.5000000 0.244
## Max.cor.Y##rcv#rpart 0.5000000 1.261
## All.X##rcv#gbm 0.5656652 87.690
## Random###myrandom_classfr 0.4916929 0.171
## Low.cor.X##rcv#glmnet 0.5926644 8.038
## All.X##rcv#bayesglm 0.6116177 18.642
## All.X##rcv#glm 0.6230191 28.982
## Max.cor.Y.Time.Lag##rcv#glmnet 0.5000000 2.699
## All.X##rcv#glmnet 0.5895416 11.569
## Max.cor.Y.rcv.1X1###glmnet 0.5000000 0.551
## All.X##rcv#rf 0.5715312 14.064
## Trn.All.X###gbm NA 2.037
## Trn.All.X##rcv#gbm NA 106.250
## max.Accuracy.fit opt.prob.threshold.fit
## MFO###myMFO_classfr 0.7379002 0.50
## Max.cor.Y##rcv#rpart 0.7297093 0.50
## All.X##rcv#gbm 0.7533073 0.25
## Random###myrandom_classfr 0.6284438 0.50
## Low.cor.X##rcv#glmnet 0.7547889 0.30
## All.X##rcv#bayesglm 0.7346774 0.25
## All.X##rcv#glm 0.7329529 0.30
## Max.cor.Y.Time.Lag##rcv#glmnet 0.7379029 0.25
## All.X##rcv#glmnet 0.7552798 0.30
## Max.cor.Y.rcv.1X1###glmnet 0.6113179 0.25
## All.X##rcv#rf 0.9992554 0.45
## Trn.All.X###gbm 0.7510574 0.30
## Trn.All.X##rcv#gbm 0.7557051 0.30
## opt.prob.threshold.OOB
## MFO###myMFO_classfr 0.50
## Max.cor.Y##rcv#rpart 0.50
## All.X##rcv#gbm 0.30
## Random###myrandom_classfr 0.50
## Low.cor.X##rcv#glmnet 0.30
## All.X##rcv#bayesglm 0.25
## All.X##rcv#glm 0.25
## Max.cor.Y.Time.Lag##rcv#glmnet 0.30
## All.X##rcv#glmnet 0.25
## Max.cor.Y.rcv.1X1###glmnet 0.35
## All.X##rcv#rf 0.25
## Trn.All.X###gbm NA
## Trn.All.X##rcv#gbm NA## [1] "All.X##rcv#gbm OOB confusion matrix & accuracy: "
## Prediction
## Reference N Y
## N 1033 408
## Y 34 51## err.abs.fit.sum err.abs.OOB.sum
## Giftormerchantcard 42.85137 52.41608
## Mobilewallet 60.60787 43.11740
## Other 30.83500 25.78569
## Governmentbenefitpaymentcard 32.99037 43.06197
## Generalpurposecard 196.14784 177.78047
## IDprepaidcard 21.76967 20.63839
## Payrollcard 31.12132 23.78979
## err.abs.trn.sum err.abs.new.sum
## Giftormerchantcard 61.53673 NA
## Mobilewallet 69.85060 NA
## Other 36.16975 NA
## Governmentbenefitpaymentcard 46.52159 NA
## Generalpurposecard 240.20920 NA
## IDprepaidcard 28.57649 NA
## Payrollcard 40.29361 NA
## .freqRatio.Fit .freqRatio.OOB .freqRatio.Tst
## Giftormerchantcard 0.08488459 0.10484928 0.12727273
## Mobilewallet 0.11988086 0.09501966 0.10909091
## Other 0.06850335 0.05832241 0.05454545
## Governmentbenefitpaymentcard 0.07297096 0.10681520 0.13333333
## Generalpurposecard 0.47803425 0.45806029 0.41818182
## IDprepaidcard 0.05361132 0.06159895 0.04848485
## Payrollcard 0.12211467 0.11533421 0.10909091
## .n.Fit .n.New.N .n.New.Y .n.OOB .n.Trn.N
## Giftormerchantcard 114 6 15 160 103
## Mobilewallet 161 5 13 145 120
## Other 92 4 5 89 76
## Governmentbenefitpaymentcard 98 12 10 163 104
## Generalpurposecard 642 24 45 699 576
## IDprepaidcard 72 6 2 94 70
## Payrollcard 164 5 13 176 169
## .n.Trn.Y .n.Tst .n.fit .n.new .n.trn
## Giftormerchantcard 52 21 114 21 155
## Mobilewallet 66 18 161 18 186
## Other 31 9 92 9 107
## Governmentbenefitpaymentcard 37 22 98 22 141
## Generalpurposecard 203 69 642 69 779
## IDprepaidcard 24 8 72 8 94
## Payrollcard 24 18 164 18 193
## err.abs.OOB.mean err.abs.fit.mean
## Giftormerchantcard 0.3276005 0.3758892
## Mobilewallet 0.2973614 0.3764464
## Other 0.2897269 0.3351631
## Governmentbenefitpaymentcard 0.2641838 0.3366364
## Generalpurposecard 0.2543354 0.3055262
## IDprepaidcard 0.2195573 0.3023565
## Payrollcard 0.1351693 0.1897641
## err.abs.new.mean err.abs.trn.mean
## Giftormerchantcard NA 0.3970111
## Mobilewallet NA 0.3755408
## Other NA 0.3380350
## Governmentbenefitpaymentcard NA 0.3299403
## Generalpurposecard NA 0.3083558
## IDprepaidcard NA 0.3040053
## Payrollcard NA 0.2087752
## err.abs.fit.sum err.abs.OOB.sum err.abs.trn.sum err.abs.new.sum
## 416.323436 386.589779 523.157964 NA
## .freqRatio.Fit .freqRatio.OOB .freqRatio.Tst .n.Fit
## 1.000000 1.000000 1.000000 1343.000000
## .n.New.N .n.New.Y .n.OOB .n.Trn.N
## 62.000000 103.000000 1526.000000 1218.000000
## .n.Trn.Y .n.Tst .n.fit .n.new
## 437.000000 165.000000 1343.000000 165.000000
## .n.trn err.abs.OOB.mean err.abs.fit.mean err.abs.new.mean
## 1655.000000 1.787935 2.221782 NA
## err.abs.trn.mean
## 2.261664## [1] "Features Importance for selected models:"## All.X..rcv.gbm.imp
## Datereceived.juliandate 100.00000
## Datereceived.last32.log1p 89.49955
## .rnorm 85.88844
## Response.fctrClosedwithmonetaryrelief 64.73965
## gCompany.fctrAmex 64.26556
## Datereceived.last16.log1p 39.75914
## Datereceived.last2.log1p 36.86339
## Datereceived.last4.log1p 36.00829
## Sent.Recd.Dys 26.34026
## Datereceived.month.fctr07 26.27207
## Datereceived.year.fctr2016 22.05966
## Datereceived.last8.log1p 19.53120
## Sent.Recd.Dys.nexp 17.99416
## Datereceived.wkend 17.61258
## Channel.fctrPhone 17.01742
## Response.fctrClosedwithnon-monetaryrelief 14.69259
## gTags.fctrServicemember 13.61534
## gCompany.fctrCitibank 12.57559
## gCompany.fctrNetSpendCorporation,aTSYSCompany 12.02773
## Rgn.Dvn.fctrWT#Pacific 11.90039
## Datereceived.month.fctr06 11.08529
## Datereceived.month.fctr09 10.96181
## gSPrd.fctrMobilewallet 10.57322
## Channel.fctrReferral 10.23520
## Datereceived.month.fctr05 10.08485
## gCompany.fctrBlackhawkNetworkHoldingsInc. 0.00000
## Trn.All.X...gbm.imp
## Datereceived.juliandate 100.000000
## Datereceived.last32.log1p 64.791163
## .rnorm 54.479052
## Response.fctrClosedwithmonetaryrelief 47.121856
## gCompany.fctrAmex 39.260712
## Datereceived.last16.log1p 63.368012
## Datereceived.last2.log1p 32.731839
## Datereceived.last4.log1p 10.344022
## Sent.Recd.Dys 18.586459
## Datereceived.month.fctr07 4.969147
## Datereceived.year.fctr2016 26.372320
## Datereceived.last8.log1p 16.104081
## Sent.Recd.Dys.nexp 6.918508
## Datereceived.wkend 5.092045
## Channel.fctrPhone 10.063702
## Response.fctrClosedwithnon-monetaryrelief 25.287916
## gTags.fctrServicemember 11.728233
## gCompany.fctrCitibank 8.544567
## gCompany.fctrNetSpendCorporation,aTSYSCompany 20.232558
## Rgn.Dvn.fctrWT#Pacific 14.652242
## Datereceived.month.fctr06 6.358322
## Datereceived.month.fctr09 2.229747
## gSPrd.fctrMobilewallet 4.308642
## Channel.fctrReferral 5.352747
## Datereceived.month.fctr05 23.453439
## gCompany.fctrBlackhawkNetworkHoldingsInc. 10.265817## [1] "glbObsNew prediction stats:"##
## N Y
## 62 103## label step_major step_minor label_minor bgn end
## 8 predict.data.new 4 0 0 1153.384 1163.389
## 9 display.session.info 5 0 0 1163.389 NA
## elapsed
## 8 10.005
## 9 NA## [1] "Saving file:data/CFPB-PrepaidCard-RestU-02_Results.RData; Objects:glb2Sav,glbClusterEntropyVar,glbCores,glbFctrMaxUniqVals,glbFeatsCategory,glbFeatsCluster,glbFeatsClusterVarsExclude,glbFeatsDateTime,glbFeatsDerive,glbFeatsDrop,glbFeatsExclude,glbFeatsId,glbFeatsImage,glbFeatsInteractionOnly,glbFeatsNzvFreqMax,glbFeatsNzvUniqMin,glbFeatsPrice,glbFeatsText,glbFeatsTextAssocCor,glbFeatsTextFilter,glbFeatsTextPatterns,glbFeatsTextSeed,glbFeatsTextSynonyms,glbFeatsTextTermsMax,glbLvlCategory,glbMdlCheckRcv,glbMdlEnsemble,glbMdlEnsembleSampleMethods,glbMdlFamilies,glbMdlFnlId,glbMdlFnlNsl,glbMdlFnlNslId,glbMdlFnlRslId,glbMdlMethods,glbMdlMetricMaximize,glbMdlMetricSummary,glbMdlMetricSummaryFn,glbMdlMetric_terms,glbMdlMetricsEval,glbMdlPreprocMethods,glbMdlSequential,glbMdlSlt,glbMdlSltId,glbMdlTuneParams,glbObsAll,glbObsDropCondition,glbObsFit,glbObsFitOutliers,glbObsNew,glbObsNewFile,glbObsOOB,glbObsOut,glbObsTrn,glbObsTrnFile,glbObsTrnOutliers,glbObsTrnPartitionSeed,glbOut,glbOutDataVizFname,glbOutStackFnames,glbRFEResults,glbRFESizes,glb_Baseline_mdl_var,glb_analytics_avl_objs,glb_analytics_diag_plots,glb_analytics_pn,glb_chk_data,glb_chunks_df,glb_clf_proba_threshold,glb_cluster.seed,glb_cluster_size_df_lst,glb_dsp_cols,glb_feats_df,glb_featsimp_df,glb_get_predictions,glb_important_terms,glb_impute_na_data,glb_interaction_only_feats,glb_is_binomial,glb_is_classification,glb_is_regression,glb_map_rsp_raw_to_var,glb_map_rsp_var_to_raw,glb_map_urls,glb_map_vars,glb_max_fitobs,glb_mdl_feats_lst,glb_mice_complete.seed,glb_model_type,glb_models_df,glb_models_lst,glb_obs_repartition_train_condition,glb_out_obs,glb_rcv_n_folds,glb_rcv_n_repeats,glb_rsp_var,glb_rsp_var_raw,glb_sprs_thresholds,glb_txt_cor_var,glb_txt_munge_filenames_pfx,glb_txt_stop_words,glb_txt_terms_control,glbgetDisplayModelsDf,glbgetModelSelectFormula,sync_glb_obs_df"## label step_major step_minor label_minor bgn end
## 7 fit.data.training 3 1 1 474.423 1153.384
## 3 fit.models 2 1 1 60.687 264.830
## 6 fit.data.training 3 0 0 357.211 474.422
## 4 fit.models 2 2 2 264.831 354.054
## 2 fit.models 2 0 0 9.955 60.686
## 8 predict.data.new 4 0 0 1153.384 1163.389
## 1 select.features 1 0 0 4.218 9.955
## 5 fit.models 2 3 3 354.055 357.211
## elapsed duration
## 7 678.961 678.961
## 3 204.143 204.143
## 6 117.211 117.211
## 4 89.224 89.223
## 2 50.732 50.731
## 8 10.005 10.005
## 1 5.737 5.737
## 5 3.156 3.156
## [1] "Total Elapsed Time: 1,163.389 secs"